Business Insurance for Accountants: Hartford vs Chubb Coverage Guide

Running an accounting firm means managing more than tax returns and financial statements. You're responsible for client data, professional advice, and significant financial decisions that could expose your practice to costly lawsuits. One missed deadline, one data breach, or one alleged calculation error could cost your firm hundreds of thousands of dollars in legal defense and settlements.

The right insurance coverage protects your firm from these risks while meeting client contract requirements and professional standards. Hartford and Chubb both offer specialized insurance programs for accounting professionals, but they differ significantly in coverage breadth, pricing structure, and claims handling.

This guide examines both carriers' offerings for accountants, breaking down coverage details, pricing ranges, and real-world claim scenarios to help you choose the right protection for your practice.

Why Accountants Need Specialized Insurance Coverage

Accounting firms face unique liability exposures that standard business insurance doesn't adequately address. Your professional work involves handling sensitive financial information, providing tax and financial advice, and making decisions that directly impact client finances.

Professional Liability Exposure

Every tax return filed, financial statement prepared, and piece of advice given creates potential liability. Common professional liability claims against accountants include:

Tax-Related Claims: A CPA firm prepared tax returns for a manufacturing company, failing to claim eligible R&D tax credits worth $180,000. The client sued for professional negligence when they discovered the missed opportunity. Defense costs alone exceeded $75,000, even though the firm had proper documentation of their work.

Financial Statement Errors: An accounting firm prepared financial statements for a client seeking bank financing. The statements contained material errors that overstated assets. When the bank discovered the errors and withdrew financing, the client sued for $250,000 in lost business opportunities.

Missed Deadlines: A tax preparation firm missed the deadline for filing a client's partnership tax return, resulting in automatic penalties of $45,000. The client held the firm responsible for the penalties and additional interest charges.

These scenarios demonstrate why Professional Liability Insurance (Errors and Omissions coverage) is non-negotiable for accounting practices.

Cyber and Data Security Risks

Accounting firms are prime targets for cybercriminals because they store valuable client financial information, tax returns, banking details, and social security numbers. A single data breach can expose thousands of client records.

According to recent data, accounting firms experience cyberattacks at rates significantly higher than many other professional service industries. Common cyber incidents include:

• Ransomware attacks that encrypt client files and demand payment for decryption
• Phishing schemes that trick employees into revealing system access credentials
• Business email compromise where criminals impersonate partners to redirect wire transfers
• Social engineering attacks targeting tax return data during tax season

A mid-sized accounting firm in Texas experienced a ransomware attack that encrypted client files just before tax season. The firm paid $35,000 in ransom but still incurred $120,000 in forensic investigation costs, client notification expenses, credit monitoring services, and system restoration. Their cyber insurance policy covered most of these costs, but the reputational damage took years to overcome.

Get instant quotes from top carriers →

General Liability Exposures

While professional liability gets most attention, accounting firms also need protection against standard business liability claims:

• Client injuries at your office (slip and falls, trip hazards)
• Property damage claims (coffee spilled on client's laptop during meeting)
• Advertising injury (copyright infringement in marketing materials)

Employment Practices Liability

As you grow your firm and hire additional staff, you face employment-related claims including wrongful termination, discrimination, harassment, and wage disputes. Employment Practices Liability Insurance (EPLI) protects against these claims, which have become increasingly common across all business types.

Essential Insurance Coverage for Accounting Firms

Professional Liability Insurance (Errors & Omissions)

This coverage protects against claims arising from professional services, including negligence, errors, omissions, and failure to meet professional standards. For accountants, this is the foundation of your insurance program.

What's Covered:

• Negligent acts, errors, or omissions in professional services
• Failure to complete work on time
• Breach of professional duty
• Misrepresentation or misleading statements
• Loss or unauthorized disclosure of confidential information
• Defamation in the course of professional services

Coverage Limits: Most accounting firms carry $1 million per claim / $2 million aggregate at minimum. Larger firms or those serving high-value clients often carry $5 million or more.

Typical Costs: For a solo CPA practice, expect $1,500-$3,500 annually for $1M/$2M coverage. Small firms (2-5 professionals) typically pay $4,000-$8,000. Mid-size firms (10-25 professionals) often pay $15,000-$40,000 depending on services offered and claims history.

Cyber Liability Insurance

Cyber insurance covers first-party costs and third-party liability arising from data breaches, cyberattacks, and technology failures.

First-Party Coverage Includes:

• Data breach response costs (forensic investigation, legal counsel, notification)
• Credit monitoring services for affected individuals
• Public relations and crisis management
• Business interruption losses from system downtime
• Cyber extortion payments and negotiation costs
• Data restoration and system recovery expenses

Third-Party Coverage Includes:

• Legal defense against privacy violation claims
• Regulatory defense and fines (though some penalties may be excluded)
• Settlement and judgment costs
• Payment card industry (PCI) fines and assessments

Coverage Limits: Most accounting firms carry $1 million to $5 million in cyber coverage. Firms handling large volumes of tax returns or sensitive financial data often carry higher limits.

Typical Costs: Small accounting firms pay $1,200-$3,000 annually for $1M in cyber coverage. Mid-size firms typically pay $3,500-$8,000 for $2M-$3M in coverage.

General Liability Insurance

Commercial General Liability (CGL) covers third-party bodily injury, property damage, and advertising injury claims that occur during normal business operations.

Coverage Limits: Standard limits are $1 million per occurrence / $2 million aggregate.

Typical Costs: Accounting firms typically pay $500-$1,200 annually for CGL coverage, as they present relatively low general liability risk compared to contractors or retailers.

Business Owner's Policy (BOP)

A BOP combines general liability with commercial property coverage, covering your office space, equipment, furniture, and business interruption losses. This bundled policy often costs less than purchasing coverages separately.

What's Covered:

• Building coverage (if you own your office space)
• Business personal property (furniture, computers, equipment)
• Loss of income from covered property damage
• General liability protection

Typical Costs: $1,000-$2,500 annually for small accounting firms with basic office setups.

Get instant quotes from top carriers →

Hartford Insurance for Accountants: Coverage Details

Hartford offers specialized insurance programs for accounting professionals through their Professional Liability division. They've been insuring accountants for decades and understand the unique exposures facing tax preparers, CPAs, and accounting firms.

Professional Liability Coverage Features

Hartford's professional liability coverage for accountants includes several features specifically designed for the profession:

Broad Definition of Professional Services: Hartford's policy covers traditional accounting services (tax preparation, bookkeeping, financial statements) plus advisory services, consulting, and expert witness testimony related to your professional expertise.

Prior Acts Coverage: Hartford offers options for prior acts dates, allowing you to cover work performed before your policy inception date. This is critical when switching carriers or purchasing coverage for the first time after being in practice.

Extended Reporting Period Options: If you retire or close your firm, Hartford offers extended reporting period endorsements (tail coverage) allowing you to report claims for work performed during your active policy period.

Defense Costs Outside Limits: Hartford pays defense costs in addition to policy limits for many claims, preserving your full coverage limit for settlements or judgments.

Disciplinary Proceedings Coverage: The policy includes coverage for defense costs when responding to licensing board complaints or disciplinary proceedings.

Cyber Liability Coverage

Hartford bundles cyber liability into their professional liability program for accountants, recognizing that data breaches often involve both professional liability and cyber components.

Key Features:

• First-party breach response costs up to policy limits
• Business interruption coverage for system downtime
• Cyber extortion coverage including ransom payments
• Data restoration expenses
• Regulatory defense (with sublimits)
• Network security and privacy liability

Notable Strength: Hartford's cyber coverage includes strong business interruption provisions, recognizing that system downtime during tax season can devastate an accounting firm's revenue.

General Liability and BOP Options

Hartford offers standard BOP packages for accounting firms, combining property and general liability coverage with options for equipment breakdown, employee dishonesty, and other endorsements.

Employment Practices Liability Insurance

Hartford's EPLI coverage for accounting firms includes:

• Third-party harassment and discrimination coverage
• Wage and hour defense coverage (with sublimits)
• Immigration-related practices liability
• Defense costs outside limits

Pricing Structure and Discounts

Hartford's pricing for accounting firms varies based on:

• Number of professionals and staff
• Annual revenue
• Services offered (tax prep, audit, consulting, etc.)
• Claims history and prior coverage limits
• Geographic location

Sample Pricing for Hartford:

• Solo CPA (tax prep and advisory): $2,200-$3,800 for $1M/$2M E&O + $1M cyber
• Small firm (3 CPAs, 2 staff): $6,500-$9,500 for $2M/$2M E&O + $1M cyber
• Mid-size firm (8 CPAs, 10 staff): $18,000-$28,000 for $2M/$4M E&O + $2M cyber

Hartford offers discounts for:

• Risk management programs and continuing education
• Claims-free history (typically 5-10% discount after 3 years)
• Package policies (combining multiple coverage types)

Claims Handling and Support

Hartford assigns dedicated claims professionals to accounting firm claims who understand the technical aspects of accounting work. Their claims handling approach emphasizes:

Early Intervention: Hartford encourages policyholders to report potential claims early, even before a formal demand or lawsuit. They provide guidance on managing client disputes before they escalate.

Expert Defense Counsel: Hartford maintains a panel of defense attorneys experienced in defending accounting malpractice claims. They understand accounting standards, professional obligations, and effective defense strategies.

Settlement Philosophy: Hartford evaluates each claim individually, defending meritless claims vigorously while settling legitimate claims efficiently when appropriate.

Average Claims Timeline: Professional liability claims against accountants typically take 18-36 months to resolve. Hartford's average defense cost for claims that don't result in settlement runs $40,000-$80,000, depending on complexity.

Chubb Insurance for Accountants: Coverage Details

Chubb positions itself as a premium carrier serving established accounting firms with more complex risk profiles. Their coverage often includes higher limits, broader definitions, and more comprehensive endorsements than standard market offerings.

Professional Liability Coverage Features

Chubb's professional liability program for accountants includes several distinguishing features:

Broader Coverage Triggers: Chubb's policy language often includes more favorable coverage triggers and definitions, providing protection in scenarios where other carriers might deny coverage.

Higher Limit Options: While Hartford caps most accounting firm policies at $5 million, Chubb readily offers $10 million, $25 million, or higher limits for larger firms or those serving significant clients.

Prior Acts and Tail Coverage: Chubb offers competitive options for prior acts coverage and extended reporting periods, often with more flexibility than standard market carriers.

Defense Cost Coverage: Chubb pays defense costs in addition to policy limits, and their defense cost reimbursement tends to be faster than many competitors.

Reputation Management: Chubb includes coverage for public relations and crisis management expenses beyond standard cyber breach scenarios, recognizing that professional liability claims can damage firm reputation.

Get instant quotes from top carriers →

Cyber Liability Coverage

Chubb offers standalone cyber liability policies with particularly strong coverage for accounting firms:

Comprehensive First-Party Coverage:

• Business interruption with lower qualification thresholds
• Dependent business interruption (covering losses when third-party service providers experience outages)
• System failure coverage (not just cyberattacks)
• Cryptojacking and crypto-theft coverage
• Social engineering fraud coverage with higher sublimits

Third-Party Liability:

• Broader regulatory coverage including state attorneys general investigations
• Coverage for GDPR and other international privacy regulations
• Technology E&O coverage for software recommendations or implementation

Notable Strength: Chubb's cyber policies include some of the highest sublimits for social engineering fraud in the market, recognizing that accounting firms are frequent targets for email compromise schemes.

General Liability and Property Coverage

Chubb's BOP offerings for professional services firms include:

• Agreed value property coverage (no depreciation deductions)
• Ordinance or law coverage for building code upgrades
• Electronic data and media coverage
• Forgery and alteration coverage with higher limits

Employment Practices Liability Insurance

Chubb's EPLI coverage includes:

• Third-party harassment coverage as standard
• Workplace violence coverage
• Immigration-related practices coverage
• Wage and hour defense with higher sublimits than Hartford
• No-fault crisis management coverage

Pricing Structure and Approach

Chubb's pricing reflects their position as a premium carrier. They typically price 15-30% higher than Hartford for comparable coverage, but they include broader terms and higher sublimits that may justify the additional premium.

Sample Pricing for Chubb:

• Solo CPA (tax prep and advisory): $2,800-$4,500 for $1M/$2M E&O + $1M cyber
• Small firm (3 CPAs, 2 staff): $8,000-$12,000 for $2M/$2M E&O + $1M cyber
• Mid-size firm (8 CPAs, 10 staff): $22,000-$35,000 for $2M/$4M E&O + $2M cyber

Chubb focuses on underwriting quality rather than price competitiveness. They carefully evaluate each firm's risk profile and may decline firms with challenging claims history or high-risk service offerings.

Claims Handling and Support

Chubb's claims handling distinguishes itself through:

White-Glove Service: Chubb assigns senior claims professionals to accounting firm claims and provides 24/7 access to claims reporting and support.

Proactive Claims Management: Chubb often takes a more hands-on approach to claims management, involving loss control consultants and risk management advisors early in the claims process.

Global Resources: For firms with international clients or operations, Chubb's global claims network provides coordinated defense across multiple jurisdictions.

Settlement Authority: Chubb claims professionals often have higher settlement authority than Hartford adjusters, potentially leading to faster resolution of claims within settlement range.

Defense Counsel Network: Chubb maintains relationships with top-tier defense firms specializing in professional liability. Their panel attorneys typically charge higher hourly rates but bring deeper expertise to complex cases.

Hartford vs Chubb: Direct Comparison

Real-World Claim Scenarios: How Coverage Responds

Scenario 1: Missed Tax Credit - Professional Liability Claim

Situation: A three-person accounting firm prepared tax returns for a manufacturing client with annual revenue of $8 million. The firm failed to identify and claim R&D tax credits worth $165,000 over two years. The client discovered the missed credits when consulting with another advisor and sued for professional negligence.

Hartford Response: Hartford assigned the claim to their professional liability unit within 48 hours. They selected defense counsel from their panel and authorized defense. After 14 months of litigation including depositions and mediation, Hartford negotiated a settlement of $125,000 plus defense costs of $68,000. Total claim payout: $193,000. The firm's premiums increased approximately 15% at renewal.

Chubb Response: Chubb assigned a senior adjuster immediately and brought in a risk management consultant to review the firm's quality control procedures. They authorized top-tier defense counsel who argued that the client had responsibility to understand their own eligibility for credits. After 16 months, Chubb settled for $95,000 plus defense costs of $82,000. Total claim payout: $177,000. Chubb provided reputation management services and media monitoring. Premium increase at renewal was approximately 12%.

Key Difference: Chubb's more aggressive defense posture and senior defense counsel resulted in a lower settlement despite higher defense costs. Their proactive reputation management helped the firm manage client concerns during the claim.

Get instant quotes from top carriers →

Scenario 2: Ransomware Attack - Cyber Liability Claim

Situation: A seven-person accounting firm experienced a ransomware attack three weeks before the tax filing deadline. Criminals encrypted client files and demanded $50,000 in Bitcoin. The firm's systems were offline for six days while forensic investigators worked to contain the breach and restore data. The attack compromised 1,200 client tax returns containing social security numbers and financial information.

Hartford Response: Hartford's cyber team responded within hours, connecting the firm with their breach response panel. They authorized immediate payment of forensic investigators ($28,000), legal counsel ($15,000), and public relations consultants ($8,000). Hartford covered the ransom payment ($50,000) and data restoration costs ($22,000). Business interruption coverage paid $45,000 for lost revenue during the six-day outage. Client notification and credit monitoring cost $38,000. Total claim payout: $206,000. The firm remained with Hartford at renewal with a 25% premium increase and a new $25,000 deductible for cyber claims.

Chubb Response: Chubb's 24/7 cyber response hotline connected the firm with breach specialists within 90 minutes. They authorized the same initial response services and covered the ransom payment. Chubb's business interruption coverage included a dependent business interruption extension that covered additional losses when the firm's cloud backup provider experienced slowdowns during restoration. This added $12,000 to the business interruption payment. Chubb also provided coverage for PR consulting over a six-month period to help rebuild client trust. Total claim payout: $224,000. At renewal, Chubb increased premiums 20% and implemented enhanced security requirements but maintained the original $10,000 deductible.

Key Difference: Chubb's dependent business interruption coverage and extended reputation management support provided additional value. Their faster initial response time and higher sublimits for various breach costs resulted in more comprehensive claim payment despite the higher total payout.

Scenario 3: Employment Practices Claim - EPLI Coverage

Situation: A mid-size accounting firm with 15 employees terminated a senior accountant who had been with the firm for eight years. The terminated employee filed a wrongful termination lawsuit alleging age discrimination and retaliation for reporting concerns about firm practices. The employee sought $400,000 in damages.

Hartford Response: Hartford's EPLI coverage provided defense counsel from a firm specializing in employment law. Defense costs accumulated to $95,000 over 22 months as the case proceeded through discovery and approached trial. Hartford evaluated settlement options and ultimately settled for $175,000 two weeks before trial. Total claim payout: $270,000. Hartford conducted a workplace practices review and recommended policy updates to prevent future claims.

Chubb Response: Chubb assigned a dedicated employment practices adjuster and authorized defense immediately. They brought in workplace consultants to review the firm's termination practices and documentation while the lawsuit was pending. Defense costs totaled $108,000 as Chubb's panel attorney conducted more extensive discovery and depositions. Chubb settled the claim for $140,000 after mediation. Total claim payout: $248,000. Chubb provided follow-up HR consulting services to strengthen the firm's employment practices.

Key Difference: Chubb's more thorough defense approach and workplace consulting services resulted in a lower settlement amount. Their proactive risk management support helped the firm improve practices to reduce future exposure.

Coverage Customization and Endorsements

Hartford Endorsement Options

Hartford offers several endorsements to customize coverage for accounting firms:

Extended Prior Acts Date: Allows coverage for work performed before standard policy inception, critical when switching carriers or purchasing coverage for the first time.

Increased Cyber Sublimits: Can increase sublimits for social engineering fraud, system failure, and regulatory fines beyond standard policy provisions.

Tax Services Enhancement: Broadens coverage for tax preparation and advisory services with specific provisions addressing IRS penalties and missed deadline claims.

Limited Partnership Coverage: Extends coverage to partners' personal exposure when the firm operates as a partnership rather than a corporation or LLC.

Chubb Endorsement Options

Chubb's customization options include:

Reputation Harm Coverage: Extends reputation management services beyond cyber breach scenarios to any claim that threatens firm reputation.

Regulatory and Investigation Coverage: Broader coverage for regulatory investigations, IRS inquiries, and licensing board proceedings with higher sublimits.

International Operations Coverage: For firms serving international clients or operating in multiple countries, extends coverage to foreign regulatory and legal exposures.

Increased Waiting Periods: Can reduce waiting periods for business interruption coverage, recognizing that even short system outages during tax season create significant losses.

Decision Factors: Choosing Between Hartford and Chubb

Choose Hartford If:

You're Price-Sensitive: Hartford typically offers 15-30% lower premiums for comparable base coverage. For growing firms or practices with tight margins, this difference matters.

You Have Straightforward Risk Profile: Solo practitioners and small firms offering traditional accounting services typically don't need the enhanced coverage provisions Chubb provides. Hartford's standard policy terms adequately protect these risks.

You Value Efficient Underwriting: Hartford's underwriting process moves faster, typically binding coverage within 5-10 business days versus Chubb's 10-15 day timeline.

You're Starting or Growing: Hartford shows more flexibility with new firms, practices with limited history, or firms transitioning to broader service offerings.

Get instant quotes from top carriers →

Choose Chubb If:

You Serve High-Value Clients: If your clients include significant businesses, high-net-worth individuals, or publicly traded companies, Chubb's higher limits and broader coverage terms provide appropriate protection.

You Offer Complex Services: Firms providing forensic accounting, expert witness services, litigation support, or international tax advisory benefit from Chubb's more comprehensive policy language.

Claims Service Matters Most: Chubb's white-glove claims service, senior adjusters, and 24/7 access provide meaningful advantages if a claim occurs.

You Have Clean Claims History: Chubb's underwriting selectivity means they favor firms with strong risk management and clean claims history. If you qualify for Chubb's program, you'll receive their premium service and coverage.

You Need Higher Limits: Firms requiring $5 million or more in professional liability coverage find Chubb more accommodating than Hartford in providing higher limit options.

Consider Both (Competitive Quote):

Many accounting firms benefit from quoting both carriers and comparing actual proposals rather than making decisions based on general positioning. Consider obtaining quotes from both when:

• Your firm is transitioning in size or service offerings
• You're approaching renewal with questions about your current carrier
• Your claims history is mixed but manageable
• You want to understand the value difference between standard and premium coverage

Beyond Hartford and Chubb: Other Carrier Options

While Hartford and Chubb represent strong options for accounting firm insurance, other carriers also serve this market:

CNA Insurance: Offers competitive professional liability programs for accountants with pricing similar to Hartford and strong regional presence.

Travelers: Provides BOP and professional liability packages for small to mid-size accounting firms with efficient online quoting for straightforward risks.

Hiscox: Strong option for solo practitioners and micro-firms with streamlined online purchasing and competitive pricing.

Beazley: Specializes in professional liability and cyber coverage with particular strength in cyber insurance for accounting firms.

Working with an insurance broker who specializes in professional liability can help you access multiple carrier options and compare coverage terms beyond just premium pricing.

Risk Management Tips to Reduce Insurance Costs

Implement Quality Control Procedures

Carriers offer premium discounts for firms with documented quality control systems:

• Peer review of work product before delivery to clients
• Written engagement letters for all client relationships
• Documented procedures for tax return review and approval
• Regular staff training on professional standards

Maintain Strong Documentation

Thorough documentation of client communications, advice given, and work performed provides the best defense against professional liability claims:

• Document all client meetings and phone conversations
• Maintain engagement files with clear scope of work
• Create paper trails for advice given and client decisions
• Implement document retention policies

Strengthen Cybersecurity

Cyber insurance carriers increasingly require basic security measures:

• Multi-factor authentication for all system access
• Regular data backups with offsite/cloud storage
• Employee cybersecurity training programs
• Written incident response plans
• Email security tools to prevent phishing

Manage Client Relationships

Many professional liability claims arise from communication breakdowns rather than technical errors:

• Set clear expectations in engagement letters
• Communicate proactively when issues arise
• Document scope changes and additional service requests
• Address client complaints immediately before they escalate

Get instant quotes from top carriers →

Frequently Asked Questions

Do I need professional liability insurance if I only prepare tax returns?

Yes. Tax preparation creates significant professional liability exposure. Errors, missed deductions, calculation mistakes, or missed deadlines can result in client claims for penalties, interest, and additional taxes owed. Professional liability insurance is essential even for basic tax preparation practices.

How much professional liability coverage do I need?

Most accounting firms carry at least $1 million per claim / $2 million aggregate. Consider higher limits if you serve business clients with significant revenues, provide audit services, or work with publicly traded companies. Many client contracts require minimum coverage of $1 million or $2 million.

Can I get coverage if I've had claims in the past?

Yes, but prior claims will affect your pricing and may result in exclusions for certain client relationships or service types. Both Hartford and Chubb consider firms with prior claims history, though Chubb has more restrictive underwriting. Full disclosure of prior claims is essential when applying for coverage.

Does cyber insurance cover ransom payments?

Most cyber insurance policies, including Hartford and Chubb's offerings, cover ransom payments subject to policy terms and carrier consultation. However, carriers typically require you to consult with their breach response team before making any payments.

What happens to my coverage if I retire or sell my practice?

You'll need extended reporting period coverage (tail coverage) to protect against claims filed after your policy expires for work performed during your active policy period. Both Hartford and Chubb offer tail coverage options, typically priced at 150-300% of your final annual premium depending on the reporting period length.

Next Steps: Getting Covered

Protecting your accounting practice requires appropriate insurance coverage tailored to your specific risks. Whether you choose Hartford's competitive pricing and efficient service or Chubb's premium coverage and white-glove claims handling, the most important step is getting proper coverage in place.

Get instant quotes from top carriers →

Consider working with an insurance broker who specializes in professional liability for accountants. They can help you navigate carrier options, compare policy terms beyond just premium pricing, and ensure you have adequate protection for your specific practice.

Don't wait for a claim to discover gaps in your coverage. Review your current policies, assess your evolving risks, and make informed decisions about protecting your practice, your clients, and your professional reputation.

Why Use a Brokerage Platform Instead of Buying Direct?

When a carrier offers instant quote-and-bind on their website, it's convenient — but you're only seeing one carrier's rates. A brokerage platform like Insura changes that equation:

• One application, multiple quotes. Fill out one form and get compared across 10+ A-rated carriers including Hartford, Chubb, Hiscox, and more. No need to re-enter your business info on five different websites.
• The price is the same — or lower. Carriers pay the broker's commission directly. Your premium is identical to what you'd pay buying direct, and often lower because a broker can find a carrier that prices your specific risk more competitively.
• We work for you, not the carrier. A direct carrier's website is designed to sell you their policy. A brokerage platform is designed to find you the best policy — we have no incentive to push one carrier over another.
• Automated comparison shopping, year after year. When your policy renews, a brokerage platform automatically re-shops your coverage across carriers to make sure you're still getting the best rate. Buy direct, and you're locked into one carrier's renewal pricing with no leverage.
• Licensed experts when you need them. Have a coverage question or need help with a claim? You get access to real brokers — not a carrier's customer service line reading from a script.

→ Get your free multi-carrier quote

---

Don't limit yourself to one carrier's price. Insura compares Hartford, Chubb, Hiscox, and 20+ other carriers — the price is the same or less, and you'll know you got the best deal. Get your free multi-carrier quote →