Source: The Hartford — Professional Liability Insurance
The Hartford: Professional Services Insurance Appetite
The Hartford is an excellent market for small professional services firms that need a BOP plus E&O plus cyber in one program. Their Spectrum platform quotes all three lines from a single application, making placement efficient. For technology-focused E&O, also consider their dedicated tech E&O product (FailSafe). The Hartford's E&O form is strong for accounting, consulting, and real estate — competitive with CNA and Hiscox on both price and coverage breadth.
Available Lines
| Line of Business |
|---|
| Business Owners Policy (BOP) |
| General Liability |
| Professional Liability |
| Workers' Compensation |
| Commercial Auto |
| Umbrella/Excess |
| Cyber Liability |
| Employment Practices Liability |
Premium Range
$2,000-$15,000
Typical annual premium
Target States
48 states + DC (excludes AK, HI)
Key Features
- Professional liability (E&O) available for consultants, accountants, architects, engineers, and real estate professionals
- Claims-made E&O policy with retroactive date and extended reporting period — standard market terms
- Cyber liability can be added as a BOP endorsement or written standalone for firms handling sensitive client data
- EPLI coverage protects against wrongful termination, discrimination, and harassment claims from employees and third parties
- Average E&O cost of $500-$1,000 per year per employee — competitive for small professional firms
Limitations
- Law firms may need specialized legal malpractice carriers for higher limits and broader coverage terms
- Staffing agencies and employment firms face additional underwriting scrutiny due to co-employment risk
- Large firms over $25M revenue may move to middle market with longer underwriting timelines
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