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The Hartford vs Travelers Small Business: Small Business Insurance Compared (2026)

Compare The Hartford vs Travelers Small Business for small business insurance: scores, pricing, coverage, claims, AM Best ratings, and who each carrier is best for.

Updated

Head-to-head comparison

Comparing The Hartford (7.9/10) and Travelers Small Business (8.1/10) for small business owners choosing between two of the carriers we review at BizInsuranceCompare.

Sub-threshold = fewer than 20 NAIC complaints in 3 years (data is too sparse to score reliably). N/A (broker) = not a carrier. See full methodology →

The Hartford vs Travelers Small Business side-by-side
CarrierOur scorePositioningStarting priceCoverageClaimsAM BestNAIC indexStatesQuote channel
7.9Single-carrier program for SMBsGL $68/mo9.0/108.0/10A+ Sub-threshold 50 statesDirect online
8.1Broad-ladder primary carrierGL $42/mo9.0/108.0/10A++ Sub-threshold 50 statesDirect online

About complaint index data: Values are 3-year averages from NAIC Consumer Information Source for commercial liability. Carriers with fewer than 20 complaints in the 3-year window are labeled "sub-threshold". A reliability call about data volume, not a finding about the carrier. Brokers (Category D) are structurally N/A. See our complete methodology.

Quick verdict

Travelers Small Business edges out The Hartford by 0.2 on our 10-point scale, scoring higher on financial strength while The Hartford holds ground on a narrower set of dimensions. Travelers Small Business is best for Small businesses seeking the strongest combination of credit quality, coverage breadth, and at-market pricing on direct-bind paper — especially growing businesses that need D&O, EPLI, or commercial umbrella alongside primary liability; trades, contractors, and field-services businesses needing the full GL + WC + auto + umbrella package on A++ paper.; The Hartford fits Growing small businesses that need a single-carrier program across five or more commercial lines — especially those needing D&O, EPLI, commercial umbrella, native workers' comp, or commercial auto in the same placement; contractors, trades, and field-services businesses needing GL + WC + commercial auto + umbrella on one carrier; buyers who value 215-year claims-relationship depth over lowest premium..

Where The Hartford wins

No structured dimensions where The Hartford clearly outscores Travelers Small Business. See the full reviews for qualitative differences.

Where Travelers Small Business wins

  • Financial strength: Travelers Small Business 10.0 vs The Hartford 9.0
  • Pricing: Travelers Small Business 7.0 vs The Hartford 6.5

Pricing comparison

Policy line The Hartford Travelers Small Business
General liability$68/mo$42/mo
Business owners policy$141/mo$57/mo
Workers comp$86/mo$45/mo
Cyber——

Starting prices reflect carrier-published "from" rates and don't include your business's actual underwriting. Quote both for a usable comparison.

Coverage comparison

The Hartford

  • ● bop
  • ● commercial auto
  • ● commercial property
  • ● cyber liability
  • ● d and o
  • ● epli
  • ● general liability
  • ● professional liability
  • ● umbrella
  • ● workers comp

Travelers Small Business

  • ● bop
  • ● commercial auto
  • ● commercial property
  • ● cyber liability
  • ● d and o
  • ● epli
  • ● general liability
  • ● professional liability
  • ● umbrella
  • ● workers comp

Claims experience

Both carriers score evenly at 8.0/10 on claims. Read the full reviews for the qualitative findings. For NAIC-reported complaint volumes that fall below the threshold (typically <20 complaints in the reporting window), the index is suppressed by NAIC and shown as ", ". That's not the same as zero complaints.

Verdict. Which should you choose?

The Hartford fits if Growing small businesses that need a single-carrier program across five or more commercial lines — especially those needing D&O, EPLI, commercial umbrella, native workers' comp, or commercial auto in the same placement; contractors, trades, and field-services businesses needing GL + WC + commercial auto + umbrella on one carrier; buyers who value 215-year claims-relationship depth over lowest premium.. Travelers Small Business fits if Small businesses seeking the strongest combination of credit quality, coverage breadth, and at-market pricing on direct-bind paper — especially growing businesses that need D&O, EPLI, or commercial umbrella alongside primary liability; trades, contractors, and field-services businesses needing the full GL + WC + auto + umbrella package on A++ paper.. The fastest way to settle it: get bound quotes from both for the same coverage limits, then compare premium and the policy form, not the marketing.

Compare The Hartford, Travelers Small Business, and 8 other carriers in 2 minutes.

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For deeper trust assessments: Is The Hartford worth it? · Is Travelers Small Business worth it?

Frequently asked questions

Is The Hartford or Travelers Small Business cheaper for small business insurance?
Travelers Small Business starts lower at $42/mo vs $68/mo for The Hartford. But starting price isn't your final price. Get bound quotes for the same limits before deciding.
Which has better customer service, The Hartford or Travelers Small Business?
Both carriers score evenly at 8.0/10 on claims. Read the full reviews for the qualitative findings.
Does The Hartford or Travelers Small Business offer broader coverage?
Both score evenly at 9.0/10 on coverage breadth. The differences will live in the specific policy types each underwrites. See the table above and the full reviews.
Can I switch from The Hartford to Travelers Small Business?
Yes. There's no carrier-side restriction on switching small business insurance. The right time is at renewal so you avoid mid-term cancellation fees, but a serious price or coverage gap can justify switching mid-term. Quote both before your renewal date and compare apples-to-apples on coverage limits, not just premium.
How we scored this

Last updated: 2026-04-29