Small Business Insurance for USAA Members

Small Business Is Our Business

For USAA Members Desde los que recién comienzan a los ya establecidos; desde los que no tienen empleados hasta los que tienen más de 10, todo pequeño negocio necesita un seguro.
More than 1,000,000 small businesses have placed their trust in The Hartford.1 That’s why USAA3 and The Hartford have teamed up to offer insurance solutions that help protect your business so when the unexpected happens, you don’t just endure … you prevail.

Whether your small business is just starting out or growing to the next level, you can get flexible coverage to meet your unique needs with The Hartford.
Learn More About Coverages for USAA Small Business Owners
Our latest research shows that small business owners view the insurance experience as a balancing act between purchasing coverage that’s just right – i.e. not too much, not too little – but at a price they can afford. With The Hartford, you can purchase the right amount of coverage for your unique business needs.
The Hartford offers two critical insurance coverages: business property and business liability in one policy – Business Owner’s Policy (BOP). Esta conveniente póliza puede proteger su empresa contra incendio, robo, demandas y más.
Key optional coverages you should consider:

Ingresos comerciales

  • La pérdida de ingreso es la razón principal por la cual los negocios no abren después de una fuerte pérdida
  • 55% of small businesses report not having business income insurance§
  • Brinda un ingreso para gastos regulares mientras su empresa se recupera
  • Ingreso opcional de la empresa para servicios públicos fuera del local
  • $3,000 a day is the median cost of downtime from a business affected by an extreme weather event
  • La cobertura opcional incluye $25,000 de límite de cobertura y un breve periodo de espera de 12 horas después de la pérdida antes de que la cobertura entre en vigencia

Pérdida de datos

  • 1 out of every 3 data breaches investigated in 2012 were from small businesses
  • $188 per breached record was the average cost of a data breach in 2012§§
  • La cobertura incluye acceso a recursos para ayudar a evitar pérdidas de datos y asistencia especializada por si alguna ocurre
Let The Hartford stand behind your business, call 855-829-1682 to talk with an insurance specialist.
§ Independent Agent Magazine, June 30, 2011; "How to Sell Business Income Insurance"

Symantec's 2011 SMB Disaster Preparedness Survey

Percentage is approximate based on the Verizon 2013 Data Breach Investigations Report

§§ 2013 Cost of a Data Breach Study, United States, Ponemon Institute LLC, Report Date: May 2012
Nuestra investigación muestra que hay tres cosas que a los propietarios de pequeñas empresas les preocupan cuando se trata de compensar a un empleado discapacitado:
  • El costo para cubrir gastos
  • Navegar en el sistema médico y legal
  • Hacer que sus empleados se recuperen y vuelvan a trabajar
With The Hartford, you can purchase workers' compensation insurance coverage that helps you accomplish all three things. Nuestra particular manera de dar cobertura a los empleados lesionados supera lo básico y los estándares de la industria:
  • The Hartford’s Team•WorkSM program helps gets employees back to work a full week earlier than average – with 50 percent returning within 36 days*
  • A broad network of physicians, nurses and pharmacies makes it easier and faster to find quality, trustworthy care
  • Outstanding educational tools like chalk talks and Loss Prevention solutions help employers learn how to manage costs and help employees prevent injuries before they happen
Let The Hartford stand behind your business, call 855-829-1682 to talk with an insurance specialist.
* 2013 The Hartford Team•WorkSM Results
Según nuestra investigación, los propietarios de empresas se preocupan por encontrar la cobertura correcta para automóviles, mantener sus tarifas con el tiempo y evitar molestias al momento de hacer una reclamación.
With The Hartford, you can get the right auto coverage for your business as well as an excellent claims experience if the time comes.
With business auto coverage from The Hartford, you get:
  • A broad form endorsement – automatically added to every policy at no additional cost – providing critical coverages such as Loan Lease Gap, Hybrid Payment and Electronic Equipment (Existing)
  • Accident forgiveness: Fender Bender Forgiveness will eliminate the worry of a small incident driving up rates, and by staying claim free for three years, your next claim will be forgiven
  • New discounts for safety features and for use of telematics devices
Let The Hartford stand behind your business, call 855-829-1682 to talk with an insurance specialist.
1 This represents the sum total of all small businesses insured by The Hartford, including but not limited to USAA affiliated small businesses.
2 The Hartford publishes reviews so you can read about actual experiences our customers have shared. The reviews are individual descriptions of customer experiences with our products and services that will vary based on their unique circumstances. Each review has been reviewed by The Hartford and reviews are not representative of all customers. USAA reviews are as of June 2016 and are subject to change.
3 USAA Insurance Agency means USAA Insurance Agency, Inc., or USAA of Texas Insurance Agency. CA Lic. #0D78305, TX Lic. #7096. 9800 Fredericksburg Road, San Antonio, TX 78288. The agency represents third-party insurers that are not affiliated with USAA and provides services to you on their behalf. Third party products are not underwritten by USAA or its affiliates. The agency receives a commission on the sale or renewal of third-party insurance products and may receive other performance-based compensation from them. Product availability may vary in some locations.
Use of the term “member” or “membership” refers to membership in USAA Membership Services and does not convey any legal or ownership rights in USAA. Restrictions apply and are subject to change.
USAA means United Services Automobile Association and its affiliates.
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Certain coverages vary by state and may not be available to all businesses. 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. In TX, this insurance is written by Sentinel Insurance Company, Ltd., Hartford Casualty Insurance Company, Hartford Lloyd’s Insurance Company, Property and Casualty Insurance Company of Hartford, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Hartford Accident and Indemnity Company and Hartford Fire Insurance Company. In CA by Sentinel Insurance Company, Ltd. (CA license # 8701) and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.
The Hartford® is The Hartford Financial Services Group, Inc. and its property and casualty subsidiaries, including issuing company, Hartford Fire Insurance Company. Its headquarters is in Hartford, CT.