Small Business Insurance

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Choose the Right Small Business Insurance

Small businesses come in all different sizes and so should small business insurance. Help protect your company with liability insurance, property insurance and other commercial coverages that address your company’s specific needs.
 

Types of Small Business Insurance

At its most basic level, small business insurance should help protect your company's property, income and safeguard you against liability claims. There is not just one single type of small business insurance policy, but our business owner’s policy combines three essential coverages – business property, general liability and business income insurance – under one powerful policy.
 
  • Business property insurance – Helps protect the physical location that your business owns or leases as well as property such as tools, equipment and inventory.
  • General liability insurance – Helps protect your business from the financial costs of property damage, bodily injury, personal and advertising injury claims made against your business.
  • Business income insurance – Helps replace lost income when you are unable to conduct business due to a covered loss like a theft or fire.

Extending Your Small Business Insurance

As your small business grows, you may need more insurance. The Hartford offers a wide selection of business coverages to address the specific needs of different companies, so select your coverage and get your small business insurance quote. Many small businesses also choose:
 
  • Workers' compensation insurance – If you have employees, most states require workers’ comp. This coverage provides benefits to employees for work-related injuries and illnesses.
  • Commercial auto insurance – If you or your employees use a vehicle for work, consider adding commercial auto to your insurance policy. This coverage helps cover costs arising from a covered work-related auto accident.

The Hartford Difference for Your Small Business

You can rest assured knowing that whatever your coverage needs, The Hartford can help you find the right insurance for your small business. Our specialists will work with you to assess the risks your business may face and help you select coverages that suit your needs. Get a small business insurance quote today and find out how The Hartford can help you protect your small business.
 

Small Business Insurance Experience You Can Trust

The Hartford has been protecting customers for more than 200 years. We understand the unique risks that small businesses face and how to help them prevail through even the most difficult times. That’s why for more than 30 years, The Hartford has had a team of specialists dedicated to helping companies find the right small business insurance for their needs.
 
When you purchase small business insurance from The Hartford, you will receive industry leading customer care. Our claims representatives consistently earn among the industry’s highest customer claims ratings and reviews. We have also been named a World’s Most Ethical Company® nine times by The Ethisphere® Institute1.
 
It’s no wonder that more than 1 million small business owners trust The Hartford for their insurance needs. Talk to an agent or get a quote today to find out how we can help you protect your small business.
 

More Answers to Frequently Asked Questions

 

Read Claims Reviews (by product)

Business Owner's Policy

 

Workers' Compensation Insurance

 
 

Why Business Insurance

Big or small, every size business can get sued, have a fire or be burglarized. Give us just 90 seconds and we'll show you how to help protect your business.
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The coverages and services described herein are summaries only. All policies should be read carefully to determine exclusions, limitations and other terms and conditions. In the event of a conflict, the terms and conditions of the policy will govern. All coverages and services may not be available for all businesses or in all states. Please contact your agent or broker for details.

Coverage is underwritten by Hartford Fire Insurance Co. and its property and casualty insurance affiliates (CA lic #8701). In TX, this insurance is written by Sentinel Insurance Company, Ltd., Hartford Casualty Insurance Company, Hartford Lloyd’s Insurance Company, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Hartford Accident and Indemnity Company and Hartford Fire Insurance Company. In WA, this insurance is written by Hartford Fire Insurance Company, Hartford Casualty Insurance Company, Hartford Accident and Indemnity Company, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Sentinel Insurance Company, Ltd. and Hartford Insurance Company of the Midwest.