Washington DC Business Insurance

Obtenga una excelente cobertura en minutos
Solo debe hacer unos cuantos clics.

Choose The Hartford for All Your DC Business Insurance Needs

Business Insurance Washington, DCThe District of Columbia is not only a popular tourist destination; it’s also a great place to own a business. In the second quarter of 2016, Washington, DC grew at an annual rate of 1.7%, faster than the overall US growth rate of 1.2%. DC small businesses employed 48.5% of the private workforce in 2014. Washington, DC is also home to 29,958 minority-owned businesses.1 The Hartford specializes in seguro de negocio for companies based in Washington, DC.

Top Types of DC Business Insurance Offered

DC Business Owner’s Policy

Washington, DC businesses can customize a Póliza para propietarios de empresas to help meet their needs. A Business Owner’s Policy (BOP) combines business property insurance and el seguro de responsabilidad comercial into one single policy. BOP coverage can help cover your DC business from claims resulting from fires, theft, covered disasters or claims involving bodily injury, property damage or personal and advertising injury that may take place due to daily operations. You should consider a business owner’s policy if:
  • Your business has the potential to be sued. For example, by a customer who fell and was injured at your place of business.
  • Your business has assets that can be damaged or stolen. This not only includes furniture or office equipment but digital assets as well, such as customer data.
  • Your business has a physical location. This includes storefronts and offices, rented or owned.

DC General Liability Insurance

Seguro general contra terceros coverage helps protect your Washington, DC business from property damage claims, personal and advertising injury claims, as well as bodily injury claims. The Hartford’s Commercial General Liability insurance offers some of the best, broadest, business insurance coverage available in the market today. This coverage is included in a Póliza para propietarios de empresas but is also available as stand-alone insurance coverage. Here are a few risks your Washington, DC business may face that commercial general liability insurance can help protect against:
  • Medical Payments – The Hartford helps defend against certain claims for medical costs if someone is hurt on your property and needs medical treatment.
  • Advertising Errors – The Hartford protects your business against specific claims if someone suggests you infringed on copyrights with advertising foods, products or services in your promotional advertisement.
  • Reputational Harm – The Hartford protects your DC business against certain claims of malicious prosecution, libel, slander, wrongful eviction, etc.

Washington, DC Business Income Insurance

Seguro para ingresos comerciales coverage helps replace lost income when your Washington, DC business is unable to operate due to a covered property loss such as damage from theft, fire or wind. Business income insurance can help cover costs if your business is unable to operate and generate revenue until your business is up and running again. With business income insurance from The Hartford, you can continue to pay expenses, including payroll and monthly bills, while your property is being replaced or repaired due to damage. Your business may benefit from adding business income coverage to your policy if:
  • You own a software company that relies on a physical office as well as digital property including cloud storage.
  • You own a business that provides services such as hair salons that require a physical location and tools to provide service to customers.
  • You own a retail business that requires online and/or a brick-and-mortar store to display products, so customers can make purchases.

DC Management and Professional Liability Insurance

Seguro de responsabilidad profesional helps cover you and your DC business if you are found negligent in the services you provide. Examples of this include making a clerical error that costs your client thousands of dollars or working as a wedding photographer and accidentally damaging your client’s wedding photos. Many businesses need professional liability insurance, also known as errors and omissions (E&O) insurance. Many businesses benefit from professional liability insurance including:
  • Real Estate Professionals
  • Technology Professionals
  • Accountant and Tax Professionals
  • Legal Professionals
  • Home Inspectors
  • Consultants

Washington, DC Minimum Business Insurance Requirements

Workers’ compensation insurance is required for companies in the District of Columbia with one or more employees. Typically, workers’ compensation covers the employee’s medical expenses, rehabilitation costs and missed wages. Automobile liability insurance is also required in the District of Columbia.2 Learn more about minimum business insurance requirements in DC from the DC Department of Insurance, Securities and Banking.

Additional Washington, DC Business Insurance Links

Reciba una cotización on Small Business Insurance for your business today.
1 https://www.sba.gov/sites/default/files/advocacy/District_of_Columbia_1.pdf

2 https://disb.dc.gov/page/introduction-liability-insurance
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.