Seguro para negocios

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Years Proudly Serving Our Customers
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Small Business Customers
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ETHISPHERE: World's Most Ethical Company**

What Is Business Insurance?

Business insurance, also known as commercial insurance, helps protect business owners from unexpected losses.
 
There are many types of insurance options that can help protect the company you’ve worked hard to build. They can help protect your business from:
 
  • Daños a la propiedad
  • Legal liability
  • Employee-related risks
For the last 50 years, we’ve helped countless companies get the right coverages, protecting their businesses and keeping their employees safe. During that time, more than 18,000 of them have given us a 4.8 star claims rating.*
 
Get a business insurance cita today. In just a few minutes, you can find out how we can protect your business.

Choose the Best Types of Business Insurance

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.
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.
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.
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.
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.
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.
Many business owners start with a Póliza para propietarios de empresas (BOP) because the three essential coverages it has protects businesses from common claims. A BOP includes:
 
  • General liability insurance, also known as business liability insurance
  • Commercial property insurance, also known as business property insurance
  • Business income insurance, also known as business interruption insurance

What’s the Average Cost of Business Insurance?

Business insurance costs vary because every company has unique needs. You can use the table below to see the average cost business owners paid for coverage with The Hartford:1
Cobertura Average Annual Premium Average Monthly Premium
Business Owner’s Policy (BOP) $1,019 $85
General Liability Insurance (GLI) $805 $67
Seguro de compensación para trabajadores $1,028 $86
insurance for businesses

Popular Industries We Insure

Wondering if we cover your business? Search our list of business insurance by industry.

Popular Professions We Cover

Business Insurance in My State

Select a state using the map or dropdown menu. Or browse all states business insurance coverages.
 
Note: Coverage is not available in all states.
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Hartford business insurance

Learn More About Insurance for Business

Watch this video for more information about business insurance coverage options.

The Hartford Business Insurance: Trusted Experience

Many insurance companies offer the same coverage. That’s why it’s important to find an insurer that truly has your back. We’re honored to be a trusted insurance company for businesses of all sizes.
Coverage You Can Trust
For more than 200 years, we've helped over 1 million businesses just like yours.
World’s Most Ethical Company
Ethisphere named us a World’s Most Ethical Company® 14 times.**
Whether you have questions about insurance options or need help with a claim, we’re here to help. Get a business insurance cita  hoy mismo.

Read Business Insurance Claim Reviews (by product)

 

Seguro de compensación para trabajadores

 

Seguro general contra terceros

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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.