Solo debe hacer unos cuantos clics.
Seguro para negocios can help pay the costs of property damage, lawsuits, lost business income and other covered losses. To help protect against specific risks unique to their situation, businesses often buy multiple coverages and combine several in one policy. Un Business Owner's Policy (BOP), for example, combines property, general liability and business income coverage into one convenient policy.
Standard types of business insurance policies don’t cover everything, but it is possible to add coverage riders to standard policies to help cover additional risks.
What Is Business Insurance and Why Is It Needed?
Business insurance, also known as commercial insurance, helps protect business owners from unexpected losses. With the right types of insurance, you won’t have to pay out-of-pocket for costly damages or legal claims against your business. In some states, it may be required for companies to have specific types of business insurance.
What Does Business Insurance Cover?
Business insurance helps protect your business’ financial assets against risks and unexpected accidents that can occur during normal business operations. Typically, businesses get multiple types of coverages to ensure they’re fully prepared for unexpected losses. Business insurance can cover several different risks associated with your business operations, including:
- Employees: If an employee is injured on the job, workers’ compensation insurance can help cover their medical expenses and lost income while they recover.
- Property: Commercial property insurance helps protect your business’ owned or rented buildings, tools or equipment you use for business if they’re damaged or destroyed in a covered loss.
- Commercial vehicles: If you or your employees use vehicles for business reasons, el seguro comercial para automóviles can help cover the cost of an auto accident that happens on the job – regardless of who is at fault.
- Customers and clients: If a customer slips and falls in your business and files a lawsuit against your business, general liability insurance puede ayudar a pagar sus gastos médicos.
What Isn’t Covered by Business Insurance?
Losses from certain types of natural disasters, floods and other major weather events may not be covered by standard commercial property insurance policies. The same applies for any customer property stored at your business. Things like intentional and fraudulent acts are not covered by standard professional liability policies. Standard general liability polices do not cover auto accidents – you would need commercial auto coverage for that.
Essential Business Insurance Coverage Options
One of the most popular business policies is a Business Owner’s Policy (BOP). A BOP generally includes business property, general liability and business income coverages in one policy. Combining these coverages isn’t only convenient, it can also help you save money on business insurance.
Insurance helps protect you from having to pay the full cost of bodily injury or property damage claims that happen against your business. For example, a customer may make a claim against your business if he is injured in your store. General liability can help cover you against the costs of the claim and even help pay for defense costs. It also helps protect your business from the costs of errors in your advertising.
Business Personal Property Insurance
Business personal property insurance helps protect your business' buildings and personal property. This might include furniture, tools, equipment and inventory.
Seguro para ingresos comerciales
Business income insurance helps replace lost income if you close temporarily due to a covered loss, like theft or property damage from a fire. It can also help you continue paying expenses while your property is replaced or repaired.
Seguro de responsabilidad profesional
Professional liability insurance helps cover costs related to claims that your business made errors in the services you’ve provided. For example, if you make a clerical error and it causes a client to lose thousands of dollars, professional liability insurance can help cover the costs if the client makes a claim. A business doesn’t need to do anything wrong to be sued. Depending on the scenario, coverage would apply to defend a business if sued.
Seguro de compensación para trabajadores
Workers' compensation insurance helps cover costs to employees while they are unable to work after suffering a work-related injury or illness. Workers’ comp from The Hartford also provides programs to help employees prepare to return to work after their absence. And, if a worker's family decides to sue your business, workers’ comp can also help cover the legal fees.
Seguro comercial para automóviles
Un commercial auto policy helps protect your business from the costs of a work-related auto accident. If you or an employee is in an accident while driving for business reasons, commercial auto can help cover the costs that results from the accident.
Seguro para la pérdida de datos
Data breach insurance helps protect your business from the costs of cyber threats or attacks. Cyber coverage from The Hartford can help cover your costs to mitigate the damage of the breach and any communications needed to notify people affected and manage your company’s reputation. Our data breach insurance policy even includes access to services that teach you best practices that help prevent breaches from happening.
Seguro comercial suplementario
Commercial umbrella insurance acts as a safety net that provides additional coverage when other liability policies reach their limits. For example, say a customer slips and injures himself in your store. He then makes a claim against your business for $200,000. If your general liability policy has a limit of $150,000, commercial umbrella insurance would help cover the remaining $50,000. Businesses find this coverage is essential for helping protect against financially devastating lawsuits and claims.
Seguro comercial contra inundaciones
Commercial flood insurance helps protect your business from the costs of covered flood damage. This includes damage to the physical location of your business as well as its assets. For example, say melting snow floods the basement of your business. The floodwater damages the floor and some tools. If this happens, commercial flood can help cover the cost to repair the damaged floor and tools.
Seguro contra terceros por prácticas de empleo
Employment practices liability (EPL) helps protect your business if an employee sues you. Even if you are not at fault, defending a lawsuit can be costly. Employees may make a claim against your business for reasons such as discrimination, harassment or wrongful termination. If they do, EPL can help cover the related costs.
Seguro para empresa con base en su hogar
Home-based business insurance helps cover the costs of property and liability risks to businesses that operate out of a business owner’s home. If you keep supplies, equipment or other business property at your home or have customers stopping by, consider adding this coverage.
How Much Does Business Insurance Cost?
On average, small business owners paid about $1,019 a year or $85 per month for business insurance with The Hartford.1 Keep in mind that the cost of business insurance will vary because each business is different and faces their own unique risks. What you pay for insurance will often depend on different factors, like:
- The type of insurance you need
- Your claims history
- What industry you’re in
- The number of employees you have
- Your payroll
Compare Different Business Insurance Coverages
Interested in learning more about the different types of business insurance policies and what they cover? Check out our guides comparing common coverages that many businesses need.
- Business Owner's Policy vs. General Liability Insurance
- General Liability vs. Errors & Omissions Insurance
- General Liability Insurance vs. Workers' Comp
- Professional Liability vs. Errors and Omissions Insurance
Más información sobre how to get business insurance o get a quote today for your business.
The Hartford can help you get answers to more business insurance frequently asked questions.
Última actualización: 12 de marzo de 2024
1 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.
Divulgaciones adicionales a continuación.
More Answers to Frequently Asked Business Insurance Questions
6 Types of Insurance Your Business Needs Now
Download our FREE guide and in less than a minute we'll help you understand the following:
- Basic definitions of the essential business insurance coverages.
- High level understand of the costs of business insurance.
- How you can get help finding the right coverage at the right price.