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The Hartford complaints

Across the state records we hold, The Hartford recorded 36 confirmed complaints — a complaint index of 0.42, about 58% below what its share of the market predicts.

Better than 83% of the 94 companies large enough to grade this period.

The Hartford writes through 20 separate licensed companies. Regulators file complaints against each one individually; the figures here combine them, because that is what a customer of The Hartford actually experiences. Every entity is listed at the bottom of this page.

By type of insurance

Coverage Grade Complaint index Complaints Business written
Auto insurance B
0.75 25% below market raw 0.65
16 —
Health insurance B
0.27 73% below market raw 0.14
8 4,495,197
Homeowners insurance —
1.20 1.2× the market rate raw 1.45
12 79,477
Life & annuity —
0.90 10% below market raw 0.00
0 1,703,109
Workers’ compensation —
0.58 42% below market raw 0.00
0 98,610
All lines A
0.42 58% below market raw 0.36
36 —

What people complain about The Hartford for

Reasons as recorded by the regulator on complaints it confirmed. A complaint is "confirmed" when the department found the company was at fault — not merely that someone was unhappy.

Cust Service Claim Handling; Delays (Claims Handling) 31
Unsatisfactory Settle/Offer 16
Delays (Claims Handling) 16
Denial Of Claim 9
Delays (Claims Handling); Unsatisfactory Settle/Offer 7
Delays (Policyholder Service); Refund Of Premium 6
Cust Service Claim Handling; Denial Of Claim 6
Cust Service Claim Handling; Delays (Claims Handling); Unsatisfactory Settle/Offer 5

The Hartford state by state

Insurance is regulated state by state, and a company's record can differ sharply between them. Each grade below is relative to that state's own market.

State Grade Complaint index Complaints Most common reason
New York B
0.91 9% below market raw 0.82
9 —
Texas A
0.38 62% below market raw 0.31
27 Cust Service Claim Handling; Delays (Claims Handling)

How to file a complaint against The Hartford

Complaints are filed with your state department of insurance, not with us and not with the company. It is free, it is handled by a regulator with authority over the insurer's licence, and a complaint the department confirms is exactly what produces the numbers on this page next year.

Find your state's complaint form →

Licensed companies included in these figures

Published so the grouping can be checked. NAIC codes are the identifiers regulators use, and are the basis on which these entities were matched.

Automobile Insurance Company Of Hartford, Connecticut, The NAIC 19062 Hartford Accident And Indemnity Company NAIC 22357 Hartford Casualty Insurance Company NAIC 29424 Hartford Fire General Agency Inc Hartford Fire Insurance Company NAIC 19682 Hartford Insurance Company Of Illinois NAIC 38288 Hartford Insurance Company Of The Midwest NAIC 37478 Hartford Insurance Company Of The Southeast NAIC 38261 Hartford Life And Accident Insurance Company NAIC 70815 Hartford Life And Annuity Insurance Company Hartford Life Insurance Company Hartford Lloyd's Insurance Company NAIC 38253 Hartford Lloyds Insurance Company Hartford Steam Boiler Inspection And Insurance Company Of Connecticut, The Hartford Steam Boiler Inspection And Insurance Company, The Hartford Underwriters Insurance Company NAIC 30104 National Fire Insurance Company Of Hartford NAIC 20478 Property And Casualty Insurance Company Of Hartford NAIC 34690 The Hartford The Hartford Workers' Compensation Health Care Network-Fh

Where these figures come from

Figures cover 2023–2025. Grades are rebuilt when regulators publish new files.