What is small business insurance?

What is small business insurance?


Whether you work in retail, construction, or financial services, most small business owners need small business insurance. Owning it can help protect the livelihoods you have worked so hard to build. The right coverage for a small business can help cover costly damages and lawsuits for:small business insurance,small business ,small ..

accidents
Natural disasters
professional errors
Workers Compensation Claims
Small Business Insurance
Small business insurance types
Small business insurance helps protect your business’ personal property and income. It also helps protect you from liability claims.

Learn more about what small business insurance is.


Extra protection for small businesses
To get the best small business insurance protection, you may need different insurance products and coverages. With our Business Owners Policy (BOP), you’ll get three basic types of coverage combined into one:
General Liability Insurance
Commercial property insurance
Business Income Insurance

Increase coverage for your small business


Over time, you may need more coverage to protect your small business. We are here to help you and can offer you small business insurance quotes based on the risks you face. Here are some of the different types of coverage we offer:
Workers Compensation Insurance
Commercial car insurance
professional liability insurance
data breach insurance
Best small business insurance
Small business insurance costs
The cost of insurance for small businesses varies. That’s because every small business is different and faces unique risks. How much does small business insurance cost? This depends on what you need. However, our professionals are here to help you discover what you must have to protect your business and get a quote tailored to your needs.


Learn more about small business insurance


Why do I need 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, getting the right types of coverage can make all the difference. Learn more about the insurance required for small businesses.

What does small business insurance cover?
There is no single small business insurance policy that covers all claims. Many small business owners start with the BOP because it has property and liability coverage. BOP can help protect your business from:

Claims that you have caused bodily injury or property damage to someone else’s property
Damage to premises and equipment owned or rented used for business
Loss of income if you are unable to work due to damage to covered property
Can The Hartford help me get small business insurance in my state?
We are proud of our partnership with thousands of small business owners across the country. If you are looking for more information on how to obtain small business insurance where you live, check out our state business insurance page.

Do I need small business insurance for an LLC?


Registering your business as a Limited Liability Company (LLC) does not protect your business from risks. We created our LLC insurance specifically for small business owners. It can help protect you from devastating financial losses.

What insurance do you need when starting a small business?


Three basic types of business insurance you may need when starting a small business are:

General Liability Insurance
Commercial property insurance
Business Income Insurance
Our BOP brings these three types of business insurance together to make it easier to protect your business.
Why small businesses can trust Hartford
Not all insurance companies provide the same level of service. With us you will discover that we are more than just an insurance company: we are partners. We are dedicated to small business owners and have been protecting customers for over 200 years. We can help you find the right type of commercial insurance for your company.

Our representatives consistently earn some of the highest ratings and reviews in the industry for customer claims. We have also been recognized as the World’s Most Ethical Company® 12 times by Ethisphere. **

To find out how we can help protect your business, get a quote for your small business today.
Small business insurance coverage

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