The Hartford has expanded its cyber insurance product, CyberChoice First Response, to small businesses across the US, excluding Alaska, Louisiana and Vermont.
The policy is available through ICON, the company's digital quoting and binding system, enabling agents and brokers to place cyber coverage alongside other small business lines in a streamlined process.
The addition integrates with The Hartford's long-standing Spectrum Business Owners Policy (BOP), which combines property, general liability and business income coverage. By offering both products together, the insurer aims to simplify the purchase of comprehensive protection for small enterprises.
The Hartford’s move reflects the increasing risk landscape for small businesses, which remain frequent targets of cyberattacks despite limited resources to address them. Coverage under CyberChoice First Response includes income loss from ransomware, data restoration and replacement costs, regulatory defense and fines, and expenses tied to breaches of third-party data.
The product also provides access to a 24/7 incident response hotline, with forensic analysis and public relations services available to help businesses manage reputational and operational fallout. Additional protections extend to system failures and administrative errors, which can also cause costly disruption.
The Hartford's Small Business unit serves more than one million customers and has been a focus of digital distribution for decades. ICON, known for its automated coverage recommendations, has been ranked by benchmarking firm Keynova Group as the top digital small business insurance platform for six years in a row.
Insurers and brokers have reported rising demand for cyber insurance in the small business sector, where awareness of digital risks is growing but affordability and access remain key barriers.
By embedding cyber cover into ICON, The Hartford said it is enabling more efficient placement of policies, while also giving agents the ability to quote higher limits of first-party and third-party protection.
Industry observers noted that combining cyber solutions with widely used small business policies positions The Hartford to capture growing demand in the cyber segment, while strengthening its digital market presence.
