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Get Customized Business Insurance in Albuquerque From The Hartford
Albuquerque, New Mexico is considered one of America’s best mid-sized cities.1 The City of Albuquerque is home to over 65,000 businesses across a wide range of industries, making it a prime location to start or expand your business.2 When it comes to keeping your Albuquerque business protected, it’s important to get the right insurance coverage tailored to your needs.
We’re an insurance company with over 200 years of experience and have helped over 1 million small businesses get the protection they need. We’re here to help you get customized seguro de negocio coverage to make sure you’re fully protected.
Types of Albuquerque Business Insurance
Types of business insurance that your Albuquerque, NM business may need include the following:
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.
Is Small Business Insurance in Albuquerque Required?
In New Mexico, there’s two types of state-required business insurance, but it’s a good idea to get additional coverage to make sure you’re fully protected. The two types of required small business insurance in Albuquerque, New Mexico are:
Seguro de compensación para trabajadores
If your Albuquerque business has at three or more employees, you’re required by law to have workers’ compensation insurance. Workers’ compensation insurance gives your employees benefits to help them recover from a work-related injury or illness.
Seguro comercial para automóviles
If your Albuquerque business owns any vehicles that you or your employees drive for business purposes, you will need to have el seguro comercial para automóviles. Commercial auto insurance may help cover the cost of an auto accident if you or your employee is at fault.
Remember, requirements for coverage will vary by city and coverage is not guaranteed by The Hartford.
How Much Does Commercial Insurance in Albuquerque Cost?
Business insurance costs can vary in Albuquerque, NM because each business is unique and has different needs. Our customers paid an average of $1,248 annually, or $104 a month, for business insurance coverage in New York. For workers’ compensation insurance, customers in New York paid an average of $998 annually, or about $83 a month.3 Keep in mind that insurance companies use different factors to determine costs, including your claims history, location, industry and the type of coverage you need.
The best way to find out your business insurance cost in Albuquerque is to obtener una cotización en línea. Professions We Insure
We offer small business insurance coverage to many different industries and professions. Some of the professions that we can help protect in Albuquerque include:
- Restaurants
- Agencias de bienes raíces
- Biotech and Life Sciences
- Energía Renovable
- Bookkeepers and Tax Preparers
- Boutique and Clothes Shops
- Consultorios médicos
- Arborists and Landscaping
Why Get Albuquerque Business Insurance From The Hartford?
We’re an insurance company backed by more than 200 years of experience. We’ve helped over 1 million small business owners get the coverage they need. Our specialists understand the unique risks that small businesses in Albuquerque, NM face. Whether you have questions about business insurance or need help with a claim, we’ve got your back.
We make it easy to get a business insurance quote in Albuquerque. With a few clicks, small business owners can obtener una cotización for the coverage they need in just a few minutes. You can also use your local insurance agency to get a quote.
Last Updated: November 16, 2023
1 City of Albuquerque Economic Development Department, “Why Albuquerque?”
2 Chamber of Commerce, “Albuquerque Chamber of Commerce.”
3 Premium amounts presented are based on monthly premium paid by The Hartford's Small Business customers between 1/1/22 and 9/14/23 for 12-month policies. Premium is derived from a number of factors specific to your business and may vary.
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