How to Get Small Business Insurance

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How to Get Insurance for Small Business and Why It’s Important

Small business insurance can help protect your business from liabilities and risks. This means it helps cover claims resulting from:
  • Bodily injuries
  • Property damage
  • Professional errors
  • Natural disasters
Without this coverage for your business, you’ll have to pay the cost of claims with your own assets. In many cases, this forces small business owners to close their company for good. So, if you’re wondering how to get small business insurance, keep reading.

How to Get Liability Insurance for a Small Business in 4 Easy Steps

how to get insurance for my small business You can find the right business insurance coverage for your company in as little as a day. To get started, some steps you can follow, include:

1. Gathering Information and Documents

Before you start, you’ll want to gather information like your:
  • Location
  • Gross annual sales
  • Total number of employees
  • Payroll size
  • Tools and equipment used
  • Assets
  • Building’s age 

2. Finding a Broker Online

To get the coverages you need, you can work with a broker online that specializes in small business insurance. You can get a quote online to work with our specialists.

3. Reviewing Your Business with Your Insurance Representative

Discussing your business with your insurance representative can help you determine your needs and coverage limits. They can help you figure out your coverage options and premium rates.

4. Evaluating Your Coverage Options

It’s important to select your coverage based on your own research and the advice of experts. At a minimum, you’ll want business property coverage and polices that protect you from liabilities, like bodily injury. And if your business provides a professional service, getting professional liability insurance can be helpful.

Do All Small Businesses Have Insurance?

Most small businesses need coverage because they face risks like:
  • Property damage
  • Income loss
  • Liability claims
  • Work-related injuries
  • Cybersecurity or data breaches
Most home-based companies should also carry small business insurance. The best way to find the right coverage for you is to compare quotes from multiple insurance companies. To get started, get a quote from us today.

8 Common Types of Small Business Insurance

how to get small business insurance Some key business insurance coverages to consider are:
General liability insurance, or business liability coverage, which helps protect you from claims resulting from bodily injuries or property damage.
Business income insurance for help replacing lost income if your business can’t operate due to a covered property loss.
Data breach insurance to help pay the costs of identity protection solutions, public relations and legal fees if your business loses sensitive information or it’s stolen.
Commercial property insurance, which helps pay for repairs to your business’ property after covered incidents, like fires or hurricanes.
Professional liability insurance for help covering errors or omissions in your professional services.
Workers’ compensation insurance, which many states require by law, can help provide benefits to employees who suffer a work-related injury or illness.
Commercial auto insurance to help cover the costs if you or an employee is in a car accident while driving for work purposes.
Business Owner’s Policy (BOP), which combines three essential coverages into one policy. Combining coverages makes it easier to manage and lets you make one payment for all three policies.
Coverages included in a BOP are:
  • General liability insurance
  • Commercial property insurance
  • Business income insurance

Consult a Small Business Insurance Expert Before Choosing Coverage

Not sure how to get business insurance or what type of insurance you need? Our experts can help you assess your risks and make sure you buy a policy that fits your business and your budget.

How to Get Insurance for My Small Business Today

You can get business insurance from an insurance broker or licensed insurance company. Learn more about the protection your business needs by getting a quote today.
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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