The Hartford
Standalone E&O ~$76/mo average. Consultants ~$96/mo, accountants ~$130/mo. Established insurer; quote via agent or online.
Vendor page timed out today. Figures from indexed Hartford marketing material.
What this insurer actually costs.
Industry-reported $76/mo standalone E&O average. Profession-specific: consultants ~$96/mo, accountants ~$130/mo. Annual range $912-$1,560. Coverage limits $250K-$2M. The Hartford vendor page timed out on 2026-06-03 — figures from indexed marketing material.
How this insurer makes its money.
Established large-cap insurer (NYSE:HIG). Standalone E&O is one of dozens of Hartford small-business product lines. Hartford issues its own policies (direct carrier, not broker). The structural advantage for buyers is the operational depth — Hartford has dedicated E&O claims teams and longstanding experience in the professional services space.
Best for. Worst for.
Best for: established small-to-mid businesses prioritising carrier stability over headline price. Industries where claims-defence reputation matters (accountants, financial advisors, real estate). Worst for: cost-sensitive ultra-low-risk professions (NEXT cheaper), short-engagement gig workers (Thimble's by-the-hour better fit).
What to verify before signing.
Verify Hartford figures directly (industry-reported, not live-page-verified). Check whether the policy is standalone E&O or bundled into Hartford Business Owner's Policy (BOP). Confirm policy-form details — Hartford issues both claims-made and occurrence forms depending on profession. Ask about defence-outside-the-limit which Hartford typically includes for higher-risk classes.