Use this as a neutral worksheet
This page does not rate The Hartford or any other company. It gives business owners a practical set of questions for comparing policy forms, endorsements, and service fit.
Availability, appetite, class codes, endorsements, certificates, and claim procedures can vary by state and industry.
- Which carrier or underwriter is responsible for the policy?
- Does the insurer write the business's actual operations?
- Can required certificates and endorsements be issued?
- What claim and audit documents are required?
Compare beside other options
Put each quote in the same worksheet. If one quote is cheaper, identify whether the difference comes from limits, forms, class codes, exclusions, deductibles, or missing endorsements.
- Same legal entity and operations.
- Same payroll, revenue, vehicles, and property values.
- Same certificate and contract requirements.
- Same effective dates and requested limits.
Before purchase
Ask for policy forms, endorsements, and the process for certificates. Keep the service contact and claim contact with the business insurance folder.
- Confirm named insured and DBA.
- Confirm locations and operations.
- Save all forms and endorsements.
Related Reading
Provider WorksheetsNeutral questions for comparing major small business insurance brands.Quote PreparationGather operations, payroll, revenue, locations, vehicles, and contracts before comparing policies.Business Insurance CoverageCompare liability, property, auto, workers comp, cyber, and package policies.
Reference Sources
Use public business and insurance resources, then read the policy forms, endorsements, and contracts that apply to your company.