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Top Small Business Insurance Coverages

As a business owner, no matter how careful and meticulous you are, you will still be exposed to risks that affect your work.
When researching the different types of business insurance coverage, it can often feel overwhelming. The Hartford offers insurance coverage for companies large and small. Llámenos al 855-901-9187 to request a quote or get started online.
A Business Owner’s Policy (BOP) combines some of the most critical business insurance coverages your company needs into one convenient and cost-effective policy.
This helps protect your business and its assets in the event of a lawsuit for things like negligence, bodily injury, property damage, libel and slander.
Most state laws require you to carry this insurance to help compensate employees for expenses associated with work-related injuries or illnesses like medical bills, rehabilitation and lost wages.

Different Types of Business Insurance Coverage You Might Need

Every business is unique. Your business may have different needs than another company down the street. Although a Business Owner’s Policy and workers’ comp insurance is a good start, you may need different types of business insurance coverage to address your company’s specific needs.
Business Income Insurance, also known as business interruption coverage, helps replace your lost income if you can’t operate because of covered property damage. This includes damage from a fire, wind or theft.
Business property insurance, also called commercial property insurance, helps protect your owned or rented building, tools and the equipment you use to operate your business.
Commercial auto insurance helps cover the cost of an auto accident if you or your employee is at fault. If you or your employees drive a vehicle for business reasons, having the right commercial vehicle insurance is important.
Help shelter your business from flooding caused by hurricanes, rain, snow melts and construction runoff. The Hartford offers commercial flood insurance through the National Flood Insurance Program.
Commercial umbrella insurance helps increase your business’s liability coverage when the cost of a lawsuit exceeds the limits of your core business coverage.
Data breach insurance, also known as cyber insurance, helps cover liability expenses from technology-related risks such as a data breach or cyberattack. If you collect, store, send or receive customer information, it’s important to protect against cyber risks.
Employment practices liability insurance helps cover defense and damage costs resulting from a variety of employment-related claims. These could include allegations of wrongful termination, discrimination, workplace harassment or retaliation.
¿Tiene un negocio fuera de su casa? Without the right coverage, home-based businesses could be financially responsible for property damage, lawsuits, employee injuries or issues related to data loss.
Inland Marine insurance covers cargo and the vehicles carrying it over land. The Hartford offers a full range of specialized protection for a broad variety of industries.
Management needs protection, too. This type of business insurance helps protects your business and executive team from potential losses stemming from the management of the company or organization.
Multinational Choice insurance from The Hartford bundles key coverages for businesses and educational institutions that do business outside the U.S. or have locations or employees overseas.
Professional liability insurance helps protect you and your company if you’re found negligent in the professional services you provided to a client, even if you didn’t make a mistake.
The Hartford’s risk engineering professional are knowledgeable on various topics, such as ergonomic evaluations and training. The risk engineering team helps businesses proactively combat key workers’ compensation loss drivers.
A surety bond guarantees that your small business will perform the agreed-upon services. These bonds financially guarantee that your customer will be paid if they don’t receive services.
Coordinated claims experience and absence reporting solution to help improve outcomes for employers through increased productivity and create a seamless, simplified experience for employers.
Business insurance requirements differ from state to state. So it’s important to check with a trusted insurance company like The Hartford as you start your insurance journey. You can count on us or your trusted insurance agent to help you customize the right policy for your business. We can help you find the right coverages to help address your business’s unique needs.
 
The Hartford offers insurance coverage for companies large and small. Call us at 855-901-9187 to request a quote or get started online.
The Hartford no será responsable de ningún daño relacionado con el uso de la información proporcionada en esta página. Consulte con su agente/corredor de seguros o compañía de seguros para determinar las necesidades específicas de cobertura, ya que el contenido publicado aquí se ofrece con fines informativos solamente.
 
La información contenida en esta página no debe interpretarse como asesoramiento legal, de Recursos Humanos, financiero o de seguros específico, y no es una garantía de cobertura. En el caso de una pérdida o reclamación, las determinaciones de cobertura estarán sujetas al lenguaje de la póliza, y cualquier pago de reclamación posible se determinará luego de que se investigue la reclamación.
 
Ciertas coberturas varían según el estado y es posible que no estén disponibles para todas las empresas. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. listed in the Aviso legal.
 
The Hartford Financial Services Group, Inc., (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, CT. For additional details, please read The Hartford’s Legal Notice.
 
* Los comentarios de los clientes son recolectados y tabulados por The Hartford y no representan a todos los clientes.