The Hatford Commercial Truck Insurance Review 2023

Thang Truong
Thang Truong
Updated on:

The Hartford is a well-known name in the insurance industry. From its beginnings as a fire insurance company to today’s offerings of multiple coverages for countless situations, the Hartford has stood behind its customers and made a lasting name for itself in the insurance industry. How did the Hartford go from only insuring against fire to today’s powerhouse? Continue reading as we look at the company’s history, the commercial truck insurance options they offer, and the ratings they have received over the years.


The Hartford began in 1810 as a fire insurance company. The company was built with a commitment to helping others. Fifteen years after being founded, the company wrote the first insurance policy for Yale University. 

In 1835, when a large fire destroyed a large portion of the New York City Financial District, the Hartford stood by their customers. The president and the directors pledged their personal fortunes to pay for claims brought by their clients in an effort to help them come out of the other side of the tragedy still standing. 

From protecting a president’s personal home in 1861 (Abraham Lincoln’s Illinois home) to standing by the city of Chicago after the fire of 1871, the Hartford has remained committed to customer service. In 1906, an earthquake destroyed almost 500 city blocks in San Francisco, once again testing the company’s resilience and commitment to its customers. In that instance, the company paid over $11 million in damages to their customers. 

Automobiles entered the Hartford picture in 1913 with the Accident and Indemnity Company formation. This branch of the company aims to provide better protection for automobiles and property, whether the loss is by fire, accident, or liability. They continued to provide coverage to great names like Babe Ruth and President Dwight Eisenhower. 

The Hartford has helped insure landmarks such as the Hoover Dam, the Golden Gate Bridge, and the St. Lawrence Seaway. They are committed to providing education programs such as the Junior Fire Marshal program they established in 1947. In 1983, they renewed their commitment to small businesses by offering a dedicated small business service center. 

In 2010, the Hartford celebrated 200 years in business. The commitment to stand by customers through triumph and tragedy has remained unchanged for those 200 years, and there is no intention to change that going forward. 

The Hartford commercial truck insurance coverages

The Hartford offers a large variety of insurance coverages to its commercial truck insurance customers. They go well beyond the primary offerings required by law. Here are some of the coverages they offer. 

The minimum coverages required by federal law are general liability coverages with specified limits based on your truck and cargo. Each state and company reserves the right to require other minimum coverages as well. While all of these coverages likely don’t apply to your business, the Hartford has agents across the nation to help you determine which coverages apply to you and help you customize your policy. 

Learn more about commercial truck insurance minimum requirements in different states

The Hartford has those minimums covered and then some. Here are the common coverages they list on their commercial auto page. 

  • Bodily injury liability coverage
  • Property damage liability coverage
  • Collision coverage
  • Comprehensive coverage
  • Medical payments coverage
  • Uninsured/Underinsured motorist coverage
  • Rental car coverage
  • Personal injury protection
  • Hired and non-owned auto insurance

As you can see, the Hartford offers a variety of services for you to be able to tailor your insurance policies to your business needs. 

The Hartford commercial truck insurance praises and ratings

The Hartford is a financially sound company. They have earned high ratings from the three leading credit rating agencies. A.M. Best gives the company an A+, S&P rated it an A+, and Moody’s Investors Service rates the Hartford as A1. 

A good NAIC rating (0.36) indicates the Hartford receives overall positive customer reviews. The Better Business Bureau (BBB) rating is an A+ as well. J.D. Power ranks the Hartford at 4.1/5. One of the areas the company lost points is on the customer service rating by not offering 24/7 customer support. 

Final thoughts

The Hartford has been in the insurance business for more than 200 years. It began as a fire insurance company and branched into other forms of coverage. Throughout that time, the company has remained committed to helping customers stand through triumph as well as tragedy. 

The Hartford offers an extensive array of coverages for your commercial trucking needs. For assistance choosing a policy that will work well for you, contact one of the many agents for the Hartford to discover if they have a policy that’s right for you. 

Thang Truong

Thang Truong covers small business insurance and small business success at BravoPolicy. He is a licensed P&C insurance agent. Previously, he held product leadership positions at, Capital One, NerdWallet, and Mulberry Technology. He holds a MBA degree from UC Berkeley - Haas School of Business.

More Stories

9 Best General Liability Insurance Companies for 2024

General liability insurance is probably the most popular business insurance that almost all businesses should have. It is required for some professions such as construction. The good news is that many insurance companies offer this product, so it is easy to find one that is the best for your business. In our intensive research, here […]

9 Best Commercial Auto Insurance Companies & Quotes in 2024

If you use your vehicles for work, you need to get a commercial auto insurance policy. Your personal auto insurance policy won’t cover the vehicles when you use for business. Commercial auto insurance is necessary when cars, trucks, or vans are used to conduct business. We cover everything you need to know about commercial auto […]

The 5 Best Business Owners Policy (BOP) Insurance for 2024

A Business Owner’s Policy (or BOP Insurance) is important to any small business to cover potential damages and losses when unexpected events happen. A BOP policy includes the coverages of general liability, commercial property, and business interruption in one master policy. If a small business can only afford one insurance policy, it should be a […]

11 Best Professional Liability Insurance Companies for 2024

If you’re a small business and in the market for professional liability insurance, below are 11 best companies offering this type of insurance for small businesses. In order to get an idea of the prices where online quotes were offered, we looked at a hypothetical accounting business in Wisconsin that had been in business for […]

Milepost Joins Truckstop: A New Dawn for Commercial Truck Insurance

The trucking industry is about to witness a significant shift in how insurance policies are procured, managed, and serviced. Milepost Insurance Agency LLC, a renowned Berkshire Hathaway enterprise, has recently collaborated with Truckstop, thereby pioneering a new era in trucking insurance for independent owner-operators. Revolutionizing the Insurance Experience The primary aim behind this dynamic partnership […]

Navigating Commercial Truck Insurance Premiums in 2023

Commercial truck insurance has become a focal point for many in the transportation sector as we delve deeper into 2023. With premiums seeing significant spikes in recent years, stakeholders are asking: Are we approaching a stabilization or even a decrease in these rates? Insights from industry experts provide clarity on this critical concern. Trends in […]

Regulatory Changes and Rising Commercial Truck Insurance Costs in California

In the wake of the passing of California’s AB5 bill, the trucking industry, including drivers and insurers, face unforeseen challenges. The legislation threatens to severely disrupt contractual trucking gigs, leading to rising insurance costs and potential operational changes. AB5 – A Potential Setback for Owner-Operators AB5, signed into law by Governor Gavin Newsom in 2019, […]

Finding Balance in Commercial Truck Insurance: Costs, Value, Services, and Long-Term Benefits

Navigating the maze of truck insurance offerings is not just a matter of finding the lowest price. It’s about understanding the nuances of what you’re buying, considering long-term benefits, and ensuring a harmonious relationship with your provider. This article offers a detailed examination of the process, unfolding the aspects of costs, value, services, honesty, and […]

New SEC Regulations on Cybersecurity and AI: A Comprehensive Overview

In an era where technology is at the forefront of business operations, the U.S. Securities and Exchange Commission (SEC) is taking decisive steps to ensure transparency and ethical practices. On Wednesday, the SEC was set to introduce new regulations that will impact publicly traded companies in two significant areas: cybersecurity and artificial intelligence (AI). These […]

6 Best Malpractice Insurance for Nurse Practitioners for 2023

Nurse practitioners have a great deal of responsibility when it comes to patient care. Many nurse practitioners assume that because they work under a doctor and their employer provides some level of malpractice insurance, they’re covered. It may be worth it to purchase your own policy, however. Employer malpractice insurance is to protect the employer, […]