Commercial Insurance

man getting a quote for commercial insurance

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 solo en lo que decimos nosotros. 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?

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:
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.

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 casualty insurance, which helps protect your business’ legal liabilities, like bodily injuries or property damage done to a third party by you or your employees. This insurance typically includes multiple types of coverage.
  • 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.
  • Mixed-use property insurance, which helps to cover the unique risks faced by mixed-use properties. 

How Much Does Commercial Business Insurance Cost?

On average, a Business Owner’s Policy (BOP) costs $85 per month or $1,019 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.
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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

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.
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.
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.
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.
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.
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Tailor Commercial Insurance to Your Needs

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

Popular Industries We Insure

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

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Commercial General Liability Insurance

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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.