Comparison
Hiscox vs. The Hartford
Two of the top small-business carriers, compared honestly.
Hiscox specializes in freelancers, consultants, and micro-businesses — with strong professional liability and cyber. The Hartford has broader appetite across small-business classes and dominates workers' comp for small employers.
Where each wins
Hiscox
Solo consultants, freelance creatives, tech professionals, and coaches. Strong E&O and cyber.
The Hartford
Retail, contractors, restaurants, and any business with 3+ employees needing workers' comp.
Both
Both write BOPs — but appetites differ by class. We quote both and pick.
Ready for a real quote from a real person?
Independent agency. Multiple A-rated carriers. Straight answers.