Any of you fine gents use the Hartford for general liability? Is there some method to talk to an agent with these guys without filing a claim? Calling just circles me to claims agents, and they wont tell me anything. Im just trying to find out what the impact of a small claim is with these guys and whether its best to just pay out of pocket if the liability does fall on me. I dont want to save a couple grand out of pocket to have my rates skyrocket or coverage cancelled since its a new account, but then again, I pay for more coverage than I need for what I do so its kind of a waste to not use it.
If any of you guys have filed a claim with them, how smooth is the process?
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