Business insurance, also known as commercial insurance, helps protect business owners from unexpected losses. For the last 50 years, we’ve helped countless companies get the right coverages, protecting their businesses and keeping their employees safe. During that time, more than 18,000 of them have given us a 4.8 star claims rating.*
Explore our business insurance coverage options using the quiz above, or get a quote today and find out how we can protect your business.
General liability coverage helps protect your business and its assets in the event of a lawsuit for things like negligence, bodily injury, property damage, libel and slander.
Who it’s for: Businesses that work directly with customers or customers’ property, and any businesses who advertise.
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.
Who it’s for: Businesses with any part- or full-time employees.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.
Who it’s for: Businesses that provide professional services or advice to clients or customers.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.
Who it’s for: Businesses with property or assets.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.
Who it’s for: Businesses that use any company-owned, leased or personal vehicles for work.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 your business against cyber risks.
Who it’s for: Businesses that collect, store or send any sensitive customer data.Many business owners start with a Business Owner’s Policy (BOP) because the three essential coverages it has protects businesses from common claims. A BOP includes general liability insurance, commercial property and business income insurance. Our BOP policy can be bundled with additional types of coverages to help your business save money on insurance. In some cases, our BOP may be eligible for a discount up to 10% when bundled with workers’ compensation insurance.
Business insurance costs vary because every company has unique needs. Insurance companies consider numerous factors when determining your price, including your industry, location, number of employees, coverage needs and more. You can use the table below to see the average cost business owners paid for coverage with The Hartford: 1
The best way to find out your business insurance costs, get a free online quote today.
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Many insurance companies offer the same coverage. That’s why it’s important to find an insurer that truly has your back. We’re honored to be a trusted insurance company for businesses of all sizes.
Whether you have questions about insurance options or need help with a claim, we’re here to help. Get a business insurance quote today.
“[The] customer service representative was detailed on different options that would cater to my small business needs.”
“Claim was so easy to place online. Within 15 minutes … everything was taken care of almost immediately.”
“I’m confident that [they] will provide the highest level of service and support among business insurance providers.”
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.
2 What you pay for professional liability insurance will vary by product, limits chosen and risk class or hazard group associated with your business.
Additional disclosures below. Back To Top© 2024 The Hartford
The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
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. listed in the Legal Notice.
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.
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
