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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.
Find the Right Coverage for Your Business
Not sure what types of business insurance are right for your small business? Take this 3-question quiz to find out.
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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.
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
- 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.
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.
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.
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.
“[The] customer service representative was detailed on different options that would cater to my small business needs.”
“Our experience with [them] has been excellent and easy.”
“[They] took care of our claim without involving a great deal of my time.”
“You know you never think of workers’ comp until you pay for it and when that accident happens.”
“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.”
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Last Updated: February 16, 2022