The Hartford Bolsters Cyber Insurance for Small Businesses

• By: Will Jones
• December 8, 2025

PRODUCT: CyberChoice First Response^SM

COMPANIES: The Hartford

BEST RATING: A+

AVAILABILITY: Appointed agents and brokers only.

FOCUS: The Hartford’s comprehensive cyber product, CyberChoice First Response, is now available for small businesses through ICON, the company’s industry-leading quoting and binding system.

The Hartford’s Spectrum Business Owners Policy, which includes property, general liability and business income insurance, has been offered for many years on the company’s digital platform. Now, CyberChoice First Response offers small businesses cyber coverage, seamlessly integrated alongside The Hartford’s Spectrum BOP.

“Now more than ever, all small businesses can be vulnerable to cyber threats,” said Chris Jones, head of small business at The Hartford. “Our enhanced cyber insurance makes it even easier for them to receive customized coverage based on the needs of their business—with the easy, fast and accurate experience our customers and independent agent partners rely on.”

COVERAGE DETAILS: Agents and brokers can quickly quote and bind tailored cyber coverage for their small business customers alongside other coverages.

The CyberChoice First Response policy includes both first and third-party coverage that can help respond to cyber events such as breaches of a company’s data, ransomware attacks, cybercrime, compromised business emails, network intrusions or computer viruses.

UNDERWRITING: In addition to standard information, such as the type of business and total annual revenue, businesses looking to quote cyber coverage are required to provide the approximate number of unique nonpublic personal records in the care of the insured, and if these records are encrypted; backup procedures that are in place; whether multifactor authentication is used for remote access; and any additional cybersecurity protections that are in place to protect the network.

TARGET: Standalone cyber coverage is ideal for customers who may need more robust cyber coverage, such as those that manage a network, run their own website or rely on technology products or services.

COVERAGE AVAILABILITY: All U.S. states except Alaska, Hawaii, Louisiana and Vermont.

CONTACT: The Hartford.

Will Jones is IA editor-in-chief.