Small Business Insurance

If you're a small business owner, you have many options when it comes to business insurance. And no small business owner wants to be in trouble when it comes to their insurance. We evaluated the complaint records of more than 20 companies to find the best small insurance.

What Is Small Business Insurance?

Whether you are in the retail, construction, or financial services industry, most small business owners need small business insurance. Having it can help protect the livelihood you've worked so hard to build. The right small business coverage can help cover costly losses and lawsuits for the following:

• Natural disasters
• Workers’ comp claims
• Accidents
• Professional errors

Types of Small Business Insurance

Small business insurance helps protect your personal assets and business income. It also helps protect you from liability claims.

Additional Small Business Protection

Additional Small Business Protection

To get the best small business insurance protection, you'll need a variety of insurance products and coverages. With our Business Owners Policy (BOP), you'll get three essential types of coverage rolled into one:

General Liability Insurance

General liability insurance helps protect the business from claims that could result in bodily harm to someone else's goods or damage to property. It can also help protect your business from personal injury claims such as defamation or slander.

Business Property Insurance

Commercial Property Insurance, also known as Commercial Property Insurance, helps protect the property you own or rent and the equipment and tools used to run your company.

Business Income Insurance

Business Income Insurance, also called Business Interruption Coverage, can help you replace lost income if you are unable to work due to damage to the covered property. This includes damage from fire, wind or theft.

Growing Your Small Business Coverage

Over time, you may need more coverage to protect your small business. We are here to help you and get you a small business insurance quote based on the risks you face. Here are some of the different types of coverage we offer:

Workers’ Compensation Insurance

Workers’ compensation insurance gives your employees benefits if they get a work-related injury or illness. Also known as workers’ comp insurance, it can help pay for an injured worker’s medical expenses, medical treatments and lost wages. Most states require employers to carry workers’ comp.

Commercial Auto Insurance

Commercial auto insurance helps keep you and your employees safe on the road while driving a company-owned vehicle for business.

Professional Liability Insurance

Professional liability insurance, also known as errors and omissions insurance, helps protect your company against claims that it made a mistake in the professional services given to a client.

Data Breach Insurance

Data breach insurance, which some insurers call cyber liability insurance, helps pay for you to respond to a breach if personally identifiable information gets lost or stolen.

Costs of Small Business Insurance

The cost of insurance for small businesses varies. This is because every small business is different and faces unique risks. How much does small business insurance cost? It depends on what you need. However, our experts are here to help you figure out what you need to protect your business and get a quote that fits your needs.

More Information About Small Business Insurance

Why Do I Need Small Business Insurance?

Most states require some form of insurance for small business owners. No matter how careful you are, accidents can happen. When they do, getting the right kind of coverage can make all the difference. Learn more about essential insurance for small business.

What Does Small Business Insurance Cover?

There is no one-size-fits-all small business insurance policy that covers every claim. Many small business owners start with the BOP because it includes liability and property coverage. BOP can help protect your business from:

• 1. Allegations of causing bodily injury or property damage to another person's property
• 2. Damage to a building owned or rented and the equipment used to operate it
• 3. Loss of income if you are unable to work due to damage to covered property

Can The Hartford Help Me Get Small Business Insurance In My State?

We are proud to partner with thousands of small business owners across the country. If you are looking for more information on how to obtain small business insurance where you live, check out our state business insurance page.

Do I Need Small Business Insurance for my LLC?

Registering your business as a limited liability company (LLC) does not protect your business from risks. We have created our own LLC insurance specifically for small business owners. This can protect you from devastating financial losses.

What Insurance Do You Need When Starting a Small Business?

There are three essential types of business insurance you may need when starting a small business:

• General liability insurance
• Business property insurance
• Providing income from business

Our BOP combines these three types of business insurance together to make it easy for you to protect your company.

Why Small Businesses Can Trust The Hartford

Not all insurance companies offer the same level of service. With us, you will discover that we are more than just an insurance company - we are a partner. We have been committed to small business owners and customer protection for over 200 years. We can help you find the right type of business insurance for your company.

Our representatives consistently earn some of the highest ratings and industry ratings for customer claims. We are also recognized 13 times by Ethisphere as the Most Ethical Company in the World.

Get a small business offer today to learn how we can help protect your business.