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insurance for small business owners

Get a Free Online Quote for Small Business Insurance

Whether you’re in the retail, construction or financial services industry, most small business owners need small business insurance. Having it can help protect the livelihood you’ve worked so hard to build. The right small business coverage can help cover expensive damage and lawsuits from:
 
  • Accidents
  • Natural disasters
  • Professional errors
  • Workers’ comp claims
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.
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.
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.
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.
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.
Business Income Insurance, also known as business interruption coverage, helps replace your lost income if you can’t operate because of covered property damage. This includes damage from a fire, wind or theft.
 

How Much Does Small Business Insurance Cost?

On average, the cost of small business insurance is about $85 per month and $1,019 per year.1 Keep in mind that the cost of insurance varies because every small business is different and faces unique risks. What you’ll pay depends 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
To save money, you can consider bundling coverages, like with a Business Owner’s Policy.
 
Más información sobre small business insurance costs.
 

Who Needs Small Business Insurance?

Every small business has unique needs and risks associated with what they do. Having the right business insurance coverage is the best way to safeguard your business from unexpected events and accidents.

Frequently Asked Questions About Small Business Insurance

Most states require some form of insurance for small business owners. No matter how careful you are, accidents can happen. When they do, having the right types of coverage can make all the difference. Without business insurance, you’d have to pay out of pocket for costly claims like lawsuits, libel, bodily injury, property damage and other unexpected events. Más información sobre insurance needed for small business.
There’s not a one-size-fits-all small business insurance policy that covers every claim. The best small business liability insurance policy for one company may not be good for your company. Many small business owners start with a BOP because it contains liability and property coverage. A BOP can help protect your business from:
 
  • Claims that it caused bodily injury or damage to someone else’s belongings
  • Damage to the owned or rented building and equipment used to operate
  • Losing income if you can’t operate because of covered property damage
Registering your business as a limited liability company (LLC) doesn’t protect your business from risks. We created our LLC insurance specifically for small business owners. The cost of LLC insurance can help keep you covered from devastating financial losses.
Three essential types of business insurance you may need when starting a small business are: 
 
  • General liability insurance
  • Business property insurance
  • Business income insurance
Our BOP bundles these three types of business insurance together to make it easier for you to protect your company.
Whether you’re starting a new venture or expanding your operations, nearly all small businesses will need extra capital at some point. Whatever the reason, there are several financing options available for small business owners to choose from. The Hartford has partnered with leading lenders to help you find the right small business loan for your business.
  1. Assess your business operations.
  2. Consider your risks.
  3. Get a custom quote from a trusted insurance company or agency.
  4. Choose the best rate and coverage for your business’ needs.
  • Business Owner’s Policy (BOP): A BOP is the most common type of business insurance because it combines business property and general liability insurance into one policy. A BOP can be customized to the specific needs of your industry. This makes it a great option for businesses of any size, especially small businesses.
  • General Liability Insurance (GLI): General liability insurance helps protect your business and its assets if you are sued by a third party for things like negligence, bodily injury, property damage, libel and slander. GLI covers a wide variety of claims resulting from unexpected events, like a burglary or a customer slipping and falling. This coverage can help pay your defense costs and any judgments or settlements that result from a lawsuit.
  • Workers’ Compensation Insurance: If your business has any employees, most states will require you to have workers’ compensation insurance. Workers' compensation insurance gives employees medical, wage and other financial benefits if they’re injured or become ill on the job. Be sure to check with your state laws to find out if you need workers’ compensation.
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Why Over 1 Million Small Businesses Trust The Hartford

Not all insurance companies offer the same level of service. You’ll find that we’re more than just an ordinary insurance company – we’re a partner. We help small businesses with information on business insurance myths, business tax deadlinesbusiness insurance tips and more.
 
Our representatives consistently earn some of the industry’s highest ratings and reviews for customer claims. We’ve also been recognized as a World’s Most Ethical Company® 14 times by Ethisphere.**
 
To find out how we can help protect your business, get a small business quote  hoy mismo.

Efficient

We proudly provide a smooth claims experience and fast processing.

Trustworthy

We’re a top small business insurer with the best digital capabilities for customers.***

Experienced

We have over 200 years of experience helping more than 1 million small business owners.
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Ready to Tailor Your Small Business Insurance?

Our specialists are here to help ensure you have the right kind of small business insurance, personalized to your company’s unique needs.
 
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Read Small Business Claim Reviews (by product)

 

Seguro de compensación para trabajadores

Experiencia con las reclamaciones de 4.8/5 estrellas*
 

Seguro comercial para automóviles

Experiencia con las reclamaciones de 4.6/5 estrellas*
 

Seguro de propiedades comerciales

Experiencia con las reclamaciones de 4.7/5 estrellas*
 

Seguro general contra terceros

Experiencia con las reclamaciones de 4.8/5 estrellas*
 
 
Última actualización: 30 de mayo 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.
 
 
*** Based on a 2023 study by Keynova (formerly Dynatrace).
 
Divulgaciones adicionales a continuación.

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Not sure if your small business is fully covered? Learn more about the policies you should be regularly reviewing.
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.