Business Insurance

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Hartford business insurance

Popular Business Insurance Solutions to Meet Your Needs

Business insurance, also known as commercial insurance, helps protect business owners from unexpected losses.
Get a business insurance quote to learn more. For the last 50 years, we’ve helped countless companies and their employees. In fact, more than 18,000 of them have given us a 4.8 star claims rating.*
 
There are many types of insurance options to help protect the company you’ve worked hard to build.
They provide coverage for business property damage, legal liability and employee-related risks.
 
Business insurance can also help replace lost wages if your employees get a work-related injury or illness and need time to recover.
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Importance of Business Insurance Coverage

In most states, your business needs certain coverages to operate, like workers’ compensation insurance. Workers’ comp gives your employees benefits to help them recover from a work-related injury or illness. It can pay for medical expenses and help replace lost wages if your employees have to miss work.
 
Liability insurance is also important because it helps pay the legal fees and costs related to lawsuits filed against your business. Without these coverages protecting your business, you’d have to pay out of pocket for claims.
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Popular Industries We Insure

Choose the Best Types of Business Insurance

Top Recommended Insurance for Business Owners

To help protect your business’ property, income and financial assets, a Business Owner’s Policy (BOP) is good to have. It combines three different types of coverage into one, such as:
 
Business property insurance to help protect your owned or rented building and the equipment used to operate your company. This can include your:
 
  • Physical locations
  • Tools
  • Computers
  • Inventory
  • Accounts receivable
General liability insurance to help cover claims that your business caused:
 
  • Bodily injury
  • Property damage
  • Personal injury, like libel or slander
Business income insurance, also known as business interruption coverage, to help replace lost income if you can’t operate because of covered property damage. This includes damage from fire, destructive winds or burglaries.
 
Depending on the unique needs of your company, you can also add other types of coverage to customize your protection.
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Looking for the Best Business Insurance for Business Owners?

The Hartford makes it easy to get business insurance quotes online.
 
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Business Insurance in My State

Select a state using the map or dropdown menu. Or, browse all states business insurance coverages.
 
Note: Coverage is not available in all states.
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Specialized Business Insurance Coverage for Unique Risks

  • Business auto insurance, which helps protect you and your employees on the road if you’re driving for work.
  • Data breach insurance for help covering the costs of responding to a breach if personally identifiable information gets lost or stolen.
  • Professional liability insurance, also known as errors and omissions coverage, to help cover claims that you made a mistake in the professional services.
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Business Insurance That Can Be Tailored to Your Business Needs

Our specialists are here to help ensure you have the right kind of business insurance, made to meet your company’s unique needs.
 
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The Hartford Business Insurance: Trusted Experience

Many insurance companies offer the same coverage. That’s why it’s important to find an insurer that truly has your back. For more than 200 years, we’ve helped over 1 million businesses like yours. Today, we’re honored to be a trusted insurance company for businesses of all sizes. In fact, The Ethisphere Institute named us a World’s Most Ethical Company® 12 times.**
 
Whether you have questions about insurance options or need help with a claim, we’re here to help. Get a business insurance quote today.

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Last Updated: February 16, 2022
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.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.