Agency Tech Guide
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The Hartford

The Hartford's Small Business unit sells the Spectrum BOP, workers' comp, business auto and cyber through independent agents, who quote and bind in its ICON platform. Personal lines are mostly written through the AARP program (sold direct and through agents), but The Hartford also sells auto, home and umbrella to non-AARP customers through independent agents under its Prevail product, aimed at the over-50 preferred market and rolling out to 30 states by early 2027.

Verified Oct 30, 2026

LinesBOP, WC, Commercial auto, Cyber, Auto, Home, Personal umbrella
Agent portalYes
Quote APINo
StatesSee appetite

Appetite

ClassLineStatesNotes
RetailBOPMost statesSpectrum BOP and WC eligibility for retail runs to $15M property and $15M sales per location ($30M per policy). The Hartford says 90% of retail quotes need zero underwriting questions (Oct 2026 state guide).
OfficesBOPMost statesBusiness, professional services and medical offices are eligible up to $20M property and $30M sales per location. Finance, insurance and professional services are among the classes with zero underwriting questions on 90% of quotes.
ContractorsWCMost statesContractors fit the small business definition up to $2M payroll and $15M property per location. State guides list electricians, floor laying, landscapers, lawn care, fence installation and glass work.
RestaurantsBOPMost statesRestaurants fall in the 'all others' tier: $10M property per location and $15M sales. State guides name full-service restaurants, delis, coffee shops, caterers, bakeries and fast food.
ManufacturingBOPMost statesManufacturers are eligible up to $10M property per location, $10M sales and $3M payroll. Examples include metal, sign and sheet metal manufacturing.
Personal autoAutoMost statesPrevail Auto, sold through independent agents, targets preferred, mature customers (age 50+). It is a la carte, with options such as key fob, pet injury and custom equipment coverage and RecoverCare. Prevail entered the agency channel in mid-2025 with 30 state launches planned by early 2027; no state list is published (Hartford agent products page; 2025 Form 10-K).
HomeownersHomeMost statesPrevail Home offers tiered home packages built for the mature market and rates roofs on more than roof age, using The Hartford's own roof model. Non-AARP homeowners are sold mainly through independent agents (Hartford agent products page; 2025 Form 10-K). We found no public eligibility guide.
HomeownersPersonal umbrellaMost statesPrevail Personal Umbrella sits over Prevail Auto and Home for mature-market households with higher liability needs (Hartford agent products page, Oct 2026).

How to quote The Hartford

→Carrier portal. Quote directly in the The Hartford agent portal.

Getting appointed

The Hartford has a Small Business Agency Appointment page to start the process. Its P&C new-appointment form asks for total written premium, top three commercial carriers, monthly quote flow and three calendar years of production reports, and notes a background check.

Sources

  1. The Hartford: Small Business Underwriting Definition flyer (July 2026)
  2. The Hartford: Small Business Appetite Guide, Utah (October 2026)
  3. Business Wire: The Hartford Bolsters Cyber Insurance for Small Businesses (Sept 2025)
  4. Coverager: The Hartford adds cyber insurance to its ICON platform
  5. The Hartford: Small Business Agency Appointment
  6. The Hartford: P&C new appointment agency information form
  7. The Hartford: Personal insurance products built for independent agents (Prevail)
  8. Hartford Insurance Group Form 10-K for fiscal 2025 (SEC): Personal Insurance distribution

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