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What Is Small Business Insurance?
Whether you’re in the retail, construction or financial services industry, most small business owners need small business insurance. Having it can help protect the livelihood you’ve worked so hard to build.
The type of insurance that small businesses need should include the right coverage to help safeguard against unexpected claims and lawsuits from:
- Accidents
- Natural disasters
- Professional errors
- Workers’ comp claims
Choose the Best Coverage for Your Business
Having the right types of coverage will help protect your company’s personal property and income. It also helps safeguard you against liability claims. Learn more about what this kind of insurance can help cover and get the coverage that provides the protection you need.
This helps protect your business and its assets in the event of a lawsuit for things like negligence, bodily injury, property damage, libel and slander.
Most state laws require you to carry this insurance to help compensate employees for expenses associated with work-related injuries or illnesses like medical bills, rehabilitation and lost wages.
Professional liability insurance helps protect you and your company if you’re found negligent in the professional services you provided to a client, even if you didn’t make a mistake.
Business property insurance, also called commercial property insurance, helps protect your owned or rented building, tools and the equipment you use to operate your business.
Commercial auto insurance helps cover the cost of an auto accident if you or your employee is at fault. If you or your employees drive a vehicle for business reasons, having the right commercial vehicle insurance is important.
Data breach insurance, also known as cyber insurance, helps cover liability expenses from technology-related risks such as a data breach or cyberattack. If you collect, store, send or receive customer information, it’s important to protect against cyber risks.
Business income insurance, also known as business interruption coverage, helps replace your lost income if you can’t operate because of covered property damage. This includes damage from a fire, wind or theft.
Employment practices liability insurance helps protect your business from employment-related claims like wrongful termination, discrimination and harassment. This coverage is included in a Business Owner’s Policy with The Hartford.
How Much Does It Cost To Insure Your Small Business?
On average, the cost of insurance for a small business is about $141 per month, or $1,687 per year.** Keep in mind that the cost of insurance varies, because every small business is different and faces unique risks. What you’ll pay depends on different factors, like:
- The type of insurance you need
- Your claims history
- What industry you’re in
- The number of employees you have
- Your payroll
To save money, you can consider bundling coverages, like with a Business Owner’s Policy.
Learn more about how much this coverage can cost.
Industry Specific Coverage Solutions
Every small business has unique needs and risks associated with what they do. Having the right business insurance for small business is the best way to safeguard your livelihood from unexpected events and accidents. The Hartford has over 200 years of experience helping more than 1 million small business owners and provides insurance coverage for hundreds of professions, such as:
Why Over 1 Million Small Businesses Trust The Hartford
Not all insurance companies offer the same level of service. You’ll find that we’re more than just an ordinary insurance company – we’re a partner. We help small businesses with information on business insurance myths, business tax deadlines, business insurance tips and more.
Our representatives consistently earn some of the industry’s highest ratings and reviews for customer claims. We’ve also been recognized as a World’s Most Ethical Companies® Honoree 16 times by Ethisphere.16
Hear From Our Customers
“They were patient and understanding to my situation.”
Connie from Iowa
“Submitting a worker’s comp case and directing the employee where to go to be seen was easy and fast.”
Daisy from California
“My Hartford agents eased an already upsetting experience … Very pleased with their service.”
Nancy from New Jersey
“The Hartford makes it very easy to work with on claims, invoices, etc. The attention to detail and follow-up allows me to focus on other projects.”
Angi from Tennessee
“The Hartford team is efficient, friendly and responsive. They follow up and are very thorough with meeting your needs.”
Patricia from Texas
“This was an extremely streamlined process. Thank you!”
Sharon from South Carolina
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Our specialists are here to help ensure you have the right kind of small business insurance, personalized to your company’s unique needs.
