The Hartford Esthetician Insurance Review

Best for business owners who need robust coverage

We recommend the best products through an independent review process, and advertisers do not influence our picks. We may receive compensation if you visit partners we recommend. Read our advertiser disclosure for more info.

The Hartford

The Hartford

Our Take

The Hartford offers options for estheticians and salon owners who want to customize a business owner’s policy with a variety of additional coverages. The company has a solid financial strength rating and is the oldest esthetician insurance company we reviewed—it’s been in business since 1810. But estheticians who don’t need robust property coverage or coverage across multiple lines may find cheaper insurance elsewhere. 

  • Pros & Cons
  • Company Overview
Pros & Cons
  • Occurrence based business liability coverage

  • Customizable bundled policy

  • Coverage for businesses with employees

  • Superior financial strength

  • Must provide personal info to get a quote

  • Professional liability coverage is claims-made

Company Overview

The Hartford was founded in 1810 and headquartered in Hartford, Connecticut. The insurer serves over one million small businesses and is licensed in all states and the Washington, D.C. In addition to providing business insurance to estheticians, the company offers auto, property, and umbrella insurance. It is the second-largest workers' compensation insurance provider based on direct written premiums.

Pros Explained

  • Occurrence form liability coverage: Business liability coverage from The Hartford is written on an occurrence form, which means you’ll be covered as long as the incident occurred while your policy was in effect (even if it’s no longer active). This is the industry-preferred form of coverage.
  • Customizable bundled policy: You can wrap several different coverages into one policy that meets your various business needs.
  • Coverage for businesses with employees: The Hartford offers coverages that may be required for businesses that have employees, such as worker’s compensation insurance.
  • Superior financial strength: The Hartford received an A+ (Superior) from AM Best for financial strength. This is the second-highest rating the agency awards. Of the best esthetician insurance companies we reviewed, only one company received a higher financial strength rating. 

Cons Explained

  • Must provide personal info to get a quote: While some other esthetician insurance companies provide transparent pricing, you’ll need to provide your personal contact information to get a quote from The Hartford. 
  • Professional liability coverage is claims-made: Like many insurers, The Hartford offers professional liability coverage that is clams-made. This means that the incident must have occurred and be reported during the active policy period to be covered.

Complaint Index

The Hartford is made up of multiple subsidiaries that issue a range of coverages, including life, auto, and business insurance. Hartford Fire Insurance Company issues commercial property, liability, and business coverage and received far fewer complaints than expected with the National Association of Insurance Commissioners (NAIC)

Every year, the NAIC reports a complaint index for every insurance provider. An index of 1.00 indicates an expected number of complaints given the company’s size. An index greater than 1.00 indicates more complaints than expected and potential issues with customer satisfaction. From 2019 through 2021, The Hartford Fire Insurance Company average complaint index has been just 0.29, which indicates that issues with customer service aren’t generally severe enough to warrant complaints. 

Third-Party Ratings

The Hartford has an A+ (Superior) financial strength rating with AM Best, an agency that evaluates the creditworthiness of insurance providers. AM Best ratings are important because they predict the likelihood that a company will be able to meet its financial obligations to policyholders and pay claims. 

But while The Hartford holds the second highest grade for financial strength, the company received the lowest score in the J.D. Power 2022 U.S. Small Commercial Insurance Study. The study evaluated factors such as small business interactions with insurers and the claims process. The Hartford received a score of 819 out of 1,000, while the top-ranked provider, State Farm, received a score of 856 out of 1,000. The Hartford was ranked last out of 10 insurance providers. 


  The Hartford Next Insurance  Three Insurance 
Types of coverage Professional liability, general liability, commercial property, worker’s compensation, commercial auto, business income, cyber Professional liability, general liability, commercial property, worker’s compensation, commercial auto, business income  Professional liability, general liability, commercial property, commercial auto, worker’s compensation, business income, cyber
Online application  Yes  Yes  Online quote only 
AM Best rating  A+ (Superior)  A- (Excellent)  A++ (Superior) 
Price (minimum)  Varies  $220  Varies 
NAIC complaint index (averaged over three years)  0.29  0.59 (two-year average)  1.22 

Policies Available

Business Owner’s Policy

A business owner’s policy (BOP) from The Hartford combines business property as well as business liability into one policy. You can also purchase these as standalone coverages. The BOP can also be tailored to include the coverages below, or you can purchase these coverages separately. 

Worker’s Compensation Insurance

This coverage helps replace lost wages and pay for medical treatment if an employee becomes injured at work, while also protecting the employer by helping to pay for the legal costs of a lawsuit brought by an employee or their family. 

Depending on your state and the size of your business, workers' compensation insurance may be required for your business to operate legally. Do your research and consult a legal professional to make sure you know what coverage you need. 

Commercial Auto Insurance

While availability varies by state, commercial auto insurance generally covers bodily injury liability, property damage liability, collision, and comprehensive coverage for vehicles owned, leased, or borrowed for business purposes. You may also add rental car coverage and hired and non-owned auto insurance. Depending on where you live, you may require personal injury protection, uninsured/underinsured motorist coverage, or medical payments coverage as well. 

Commercial auto insurance is required for anyone who drives for business purposes—commuting to and from work doesn’t count, but driving in between clients does. 

Cyber Liability Insurance

If your business experiences a cyber attack, this broad coverage can help pay lost income from a network outage, legal services, the expense to notify customers, judgments for privacy and security lawsuits, extortion paid in a ransomware attack, and regulatory fines. This is generally appropriate for larger businesses.

Data Breach Insurance

This helps pay to notify customers, hire a public relations firm, and provide credit monitoring services to victims in the event of a data breach. 

Professional Liability Insurance

General liability insurance doesn’t cover all types of lawsuits. Professional liability insurance helps pay for legal defense and judgments against you in lawsuits related to negligence, misrepresentation, personal injury, or incorrect advice delivered in the process of providing your professional services. 

Available Riders

Riders are add-ons to a policy that help you customize your coverage. The policies listed above can all be added as endorsements to The Hartford business owner’s policy or purchased separately. 

Customer Service

The Hartford has an online portal you can use to view your policy documents, make payments, and even file a claim. If you need further assistance, you can reach customer service at one of the phone numbers below. 

Reason for Call Phone Number  Hours 
Quotes 855-440-1078 8am to 7pm ET weekdays
Customer Service  866-457-8730  8am to 8pm ET weekdays 
Claims  800-327-3636  24/7 

Is The Hartford Insurance Right for Me?

Solo estheticians and employers can get coverage from The Hartford, but The Hartford will likely be more valuable to business owners who need a robust policy with multiple lines of coverage to meet their business needs. 

If you don’t need business income or property insurance, you may be able to secure cheaper liability coverage elsewhere. And if you prefer a company that provides quotes without your personal information, look elsewhere.

Our Methodology: How We Review Esthetician Insurance Carriers 

To determine the best insurance companies for estheticians, we collected 20 data points on the top esthetician insurance companies by premium. These data points include:

  • Financial strength
  • Cost
  • Policy types and features
  • Exclusions
  • Consumer complaints
  • Online tools
  • Billing options
  • Coverage limits

We gave preference to companies with top ratings from AM Best, a low rate of customer complaints, and those that offer coverage based on the date of the occurrence as opposed to when the claim was made. Companies with high aggregate coverage limits, monthly billing, low premiums, online purchase options, and those that offer property coverage got ratings boosts. To rank the companies we researched, we applied the following weights to each customer-focused category:

  • Types of coverage and features: 40% 
  • Financial stability: 20% 
  • Consumer complaints: 25%
  • Online purchase: 10%
  • Billing options: 5%

We delved further into product and company specifics to determine which companies were best for which types of consumers. Using this research, we determined which companies offer the best esthetician insurance.

Article Sources
Investopedia requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy.
  1. The Hartford. "Financial Ratings."

  2. NAIC. “Hartford Fire Ins Co.”

  3. J.D. Power. "Small Business Insurance Customer Satisfaction Bounces Back After Two Years of Pandemic-Related Declines, J.D. Power Finds."