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 1-855-901-9187 to request a quote or get started online.
Top Small Business Insurance Coverages
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.
Use business income insurance to help replace lost income when a business is unable to function and generate earnings because of a covered property loss or damage from incidents like fire, wind and theft.
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 property insurance protects the property your business owns and leases. This includes buildings, equipment, inventory and furniture. También ayuda a cubrir pérdida de ingresos si no puede manejar su empresa debido al daño a la propiedad cubierta.
Data breach insurance helps cover liability expenses that respond to data loss or theft. It also helps your company comply with data-related regulatory requirements and provides guidance on how to prevent and handle a data breach.
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.
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.
Marine insurance covers cargo and the vehicles carrying it over land, sea and air. The Hartford ofrece una protección completa especializada en tierra y océanos para una amplia variedad de industrias.
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.
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.
The Hartford’s dedicated Bond Division and Fidelity Underwriters offer the flexibility businesses need to safeguard valuable assets and comply with contractual, statutory or court-mandated requirements.
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.