Business Insurance Coverages

Top Small Business Insurance Coverages

As a business owner, no matter how careful and meticulous you are, you will still be exposed to risks that affect your work.
When researching the different types of business insurance coverage, it can often feel overwhelming. The Hartford offers insurance coverage for companies large and small. Call us at 855-901-9187 to request a quote or get started online.


A Business Owner’s Policy (BOP) combines some of the most critical business insurance coverages your company needs into one convenient and cost-effective policy.


Helps protect your business assets in the event of a lawsuit for things like negligence, bodily injury, libel and slander.


Helps compensate employees for expenses associated with work related injuries or illnesses like medical bills, rehabilitation, and lost wages.

Different Types of Business Insurance Coverage You Might Need

Every business is unique. Your business may have different needs than another company down the street. Although a Business Owner’s Policy and workers’ comp insurance is a good start, you may need different types of business insurance coverage to address your company’s specific needs.


Use business income insurance to help replace lost income when a business is unable to function and generate earnings because of a covered property loss or damage from incidents like fire, wind and theft.


Help protect yourself, your employees and the vehicles you own, lease, rent or borrow. If an accident happens, this can help prevent it from damaging your bottom line.


Help shelter your business from flooding caused by hurricanes, rain, snow melts and construction runoff. The Hartford offers commercial flood insurance through the National Flood Insurance Program.


Commercial property insurance protects the property your business owns and leases. This includes buildings, equipment, inventory and furniture. It also helps cover lost income if you can’t run your business because of covered property damage.


Commercial umbrella insurance helps increase your business’s liability coverage when the cost of a lawsuit exceeds the limits of your core business coverage.


Cyber Insurance, also known as Data Breach & Cyber Liability Insurance, helps cover liability expenses that respond to data loss or theft. It also helps your company comply with data-related regulatory requirements and provides guidance on how to prevent and handle a data breach.


Employment practices liability insurance helps cover defense and damage costs resulting from a variety of employment-related claims. These could include allegations of wrongful termination, discrimination, workplace harassment or retaliation.


Do you run a business out of your home? Without the right coverage, home-based businesses could be financially responsible for property damage, lawsuits, employee injuries or issues related to data loss.


Management needs protection, too. This type of business insurance helps protects your business and executive team from potential losses stemming from the management of the company or organization.


Marine insurance covers cargo and the vehicles carrying it over land, sea and air. The Hartford offers a full range of specialized inland and ocean marine protection for a broad variety of industries.


Multinational Choice insurance from The Hartford bundles key coverages for businesses and educational institutions that do business outside the U.S. or have locations or employees overseas.


Professional liability insurance helps protect you and your company if you are found negligent in the professional services you provided to a client.


The Hartford’s risk engineering professional are knowledgeable on various topics, such as ergonomic evaluations and training. The risk engineering team helps businesses proactively combat key workers’ compensation loss drivers.


The Hartford’s dedicated Bond Division and Fidelity Underwriters offer the flexibility businesses need to safeguard valuable assets and comply with contractual, statutory or court-mandated requirements.
Business insurance requirements differ from state to state. So it’s important to check with a trusted insurance company like The Hartford as you start your insurance journey. You can count on us or your trusted insurance agent to help you customize the right policy for your business. We can help you find the right coverages to help address your business’s unique needs.
The Hartford offers insurance coverage for companies large and small. Call us at 855-901-9187 to request a quote or get started online.
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. 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 Arizona, New Hampshire, Washington and California, the insurance is underwritten by Hartford Accident and Indemnity Company, Hartford Casualty Insurance Company, Hartford Fire Insurance Company, Hartford Insurance Company of Illinois, Hartford Insurance Company of the Midwest, Hartford Lloyd’s Insurance Company, Hartford Underwriters Insurance Company, Maxum Casualty Insurance Company, Maxum Indemnity Company, Navigators Insurance Company, Navigators Specialty Insurance Company, Pacific Insurance Company, Property and Casualty Insurance Company of Hartford, Sentinel Insurance Company, Ltd., Trumbull Insurance Company and Twin City Fire Insurance Company. The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including Hartford Fire Insurance Company.
The Hartford® is The Hartford Financial Services Group, Inc. and its property and casualty subsidiaries, including Hartford Fire Insurance Company. Its headquarters is in Hartford, CT.
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