Get the Best Commercial Insurance for Your Small Business

As a property and casualty insurance company with more than 200 years of experience, we’ve helped protect companies of all sizes. From small companies to large corporations, our commercial insurance policies can help protect you and your employees from different risks.

No base su decisión en lo que decimos únicamente. More than 16,000 people have given The Hartford commercial insurance a 4.8 star rating.* We’re also honored to be one of the most trusted commercial insurance companies. In fact, Ethisphere has named us a World’s Most Ethical Company^® 14 times.**

What Is Commercial Insurance?

Commercial insurance helps protect your company, employees and leadership from unexpected losses.

Commercial Insurance vs. Business Insurance

You may have read articles about commercial insurance and seguro de negocio when you were shopping for protection. They’re the same thing! Both commercial insurance and business insurance cover your business and its employees.

Common Types of Commercial Business Insurance

Getting the right type of insurance is important to protect your business. Many small business owners start with a Business Owner’s Policy (BOP) for their commercial insurance needs. Other common types of commercial insurance include:

Seguro para propiedad comercial

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.

Seguro para la pérdida de datos

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.

Seguro comercial para automóviles

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.

Seguro general contra terceros

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.

Seguro de responsabilidad profesional

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.

Seguro de compensación para trabajadores

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.

Más Coberturas

Additional Types of Commercial Small Business Insurance

Different types of businesses have unique insurance needs, and not all businesses need the same types of commercial insurance. We’re here to help you get the right type of coverage. You can tailor your commercial insurance policy and add optional protection, such as:

Commercial flood insurance, which covers flood damage caused by rain, snow, hurricanes or construction runoff. This kind of damage is not included in standard property coverage.
Commercial umbrella insurance, which helps protect your business from claims that exceed your policy limits by extending your liability coverage.
Cyber insurance to help protect your company from cyber threats and attacks.
Errors and omissions insurance, which helps your business if a customer sues you for financial losses due to a mistake you made in the process of doing business. This coverage is also known as professional liability insurance and helps cover legal defense costs.

How Much Does Commercial Business Insurance Cost?

On average, a Business Owner’s Policy (BOP) costs $261 per month or $3,125 per year with The Hartford.¹ Keep in mind that commercial insurance costs often vary because every business has unique needs. A few factors that might influence your business insurance costs include:

Lugar
Number of employees
Business type
Límites de la cobertura
Claims history

two business people looking at commercial insurance coverages

Getting the Right Commercial Insurance Quote

Getting commercial insurance quotes for your business shouldn’t take a lot of time. That’s why we’ve made it as fast and easy as possible. In just 10 minutes, you can get a custom commercial insurance quote for your business.

Looking for a Commercial Insurance Policy?

The Hartford makes it easy to learn more about commercial insurance costs by getting a quote online.

Iniciar cotización

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.

Commercial Business Insurance FAQs

What Does Commercial Insurance Cover?

Commercial insurance can help protect your small business from claims like bodily injury, cyberattacks, data breaches and property damage. There are many different types of commercial insurance to consider. From general liability insurance and commercial property insurance to workers compensation coverage, each policy protects you in different ways. You can also add coverage to your policy, like commercial auto insurance and professional liability insurance. To learn more about commercial insurance, obtener una cotización hoy mismo.

Why Do I Need Business Insurance?

Business insurance helps you cover the costs associated with property damage or liability claims that come along with doing business. If you don’t have business insurance, you may have to pay out-of-pocket if a customer claims your business caused damage to their property or if they bring a lawsuit against your company. In some states, you may be required to have certain types of business insurance. It’s a good idea to check with your local laws.

Does Business Insurance Cover Lawsuits?

Yes. Business insurance can help cover legal settlements, fees and defense costs if someone sues your business. Business liability insurance, also known as general liability insurance, can help protect your business if you or your employees cause property damage or bodily injury to others. This type of insurance protects you from paying out-of-pocket if someone sues your company for advertising injuries or reputational harm.

Do I Need Business Insurance if I’m a Sole Proprietor?

Although a sole proprietorship is one of the most simple business structures, you still face similar risks that other small businesses face. If you’re a sole proprietor, you may consider having business liability insurance to help protect your business from customer injury claims, lawsuits, professional mistakes or damage to your company-owned property.

How Do I Get Commercial Insurance?

The best way to get commercial insurance coverage for your small business is to obtener una cotización. Small business owners can start by bundling their coverage through a Business Owner’s Policy (BOP). A BOP combines general liability insurance, business income insurance and commercial property insurance into one convenient policy.

Tailor Commercial Insurance to Your Needs

Our commercial insurance specialists are here to help make sure you get the right coverage.

Iniciar cotización

Popular Industries We Insure

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

To learn more about commercial insurance, obtener una cotización from us today or find a commercial insurance agent near you. We’re an insurance company that’s been helping small businesses get the coverage they need for over 200 years.

Read Commercial Insurance Claim Reviews (by product)

Seguro comercial para automóviles

Seguro de propiedades comerciales

Commercial General Liability Insurance

Last Updated: November 17, 2023

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.

** "World's Most Ethical Companies" and "Ethisphere" names are registered trademarks of Ethisphere LLC.

Divulgaciones adicionales a continuación.