Insurance for Administrative Services

small business owner protected by insurance for administrative services

Administrative Insurance That Supports Your Business

Your administrative work helps businesses run smoothly. But what happens if a problem disrupts your own business? We designed our insurance for administrative services to help protect you from unexpected risks.
 
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small business owner protected by insurance for administrative services

Why Do You Need Insurance for Administrative Services?

Handling tasks like scheduling, record-keeping and communications can be stressful, but it can be even more nerve-wracking when an unforeseen challenge interrupts your normal operations. Admin insurance is made up of different types of business insurance coverages to help protect your business from sudden disruptions.
small business protected by administrative insurance

Who Needs Administrative Insurance?

Businesses that help other companies with certain services, such as payroll, billing or customer service, may need administrative insurance, including:
 
  • Administrative professionals and consultants
  • Third-party administrators (TPAs)
  • Administrative services organizations (ASOs)
  • Payroll providers
  • Human resources managers
business owner protected by admin insurance

What Type of Insurance Do I Need for Administrative Services?

Many administrative service companies have a Business Owner’s Policy (BOP) for the peace of mind it provides. A BOP can help protect your business from common risks that occur during normal operations, so you can focus on your clients.
A BOP combines three essential types of coverage into a single policy to help protect your business from claims of bodily injury or property damage:
 
  • General liability insurance helps protect against claims that your administrative company caused bodily injury or property damage to others.
  • Commercial property insurance helps protect your owned or rented building, as well as tools, equipment, inventory and supplies that you use to operate your business, including:
    • Computers
    • Phones
    • Headsets
    • Filing cabinets
    • Printers
    • Shredders
  • Business income insurance helps replace your lost income if you can’t operate because of property damage caused by fire, theft or wind.
We know every business owner has different needs. So, we’ve made it easy for you to add other types of insurance to your BOP. That way, you can increase your protection and create an insurance plan unique to your business. Other types of coverage can include:
 
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How Much Does Insurance for Administrative Services Cost? 

The cost of insurance for administrative services varies, but here is the average price that The Hartford’s small business customers in this industry pay for common types of coverages:**
 
  • BOP: $1,687 a year, or about $141 a month
  • Standalone general liability insurance: $810 a year, or about $68 a month
  • Workers’ compensation insurance: $1,032 a year, or about $86 a month
It’s important to remember that every insurance policy is unique. Insurers also use different factors to determine rates. So, the price you pay may be different than the average. The best way to find out how much insurance for your administrative business will cost is to get a quote.
business owner protected by administrative services insurance

Get a Certificate of Insurance When You Need It

Need proof of insurance? We’ve made it easy for you to get your certificate online.

Covering Your Operations

From a mishap that affects your workflow to sudden challenges that stall your business, having the right protection helps you stay on track. 
Injuries from falls result in more than 8 million visits to hospital emergency rooms a year.2
Employment Practices Liability Insurance for administrative businesses

Employment Practices Liability Insurance (EPLI)

“I had to fire one of my benefits managers for poor performance. I was surprised when I found out he was suing our business for wrongful termination.”
 
Employment practices liability insurance (EPLI) helps protect your business from employment-related lawsuits, including harassment, discrimination or wrongful termination. With The Hartford, our BOP includes EPLI coverage for third-party claims from vendors or customers.
General Liability Insurance for administrative businesses

General Liability Insurance

“During a client meeting, one of our visitors tripped on a loose carpet in the reception area and twisted her ankle.”
 
General liability insurance helps cover claims that your business hurt somebody else. It can help cover their medical bills and your legal costs if you get sued.

Taking Care of Your Team

Your employees are essential to the success of your administrative services business. Protecting them should be a priority.
Ergonomic injuries make up 33% of all worker injuries in the U.S.3
workers' compensation insurance for administrative businesses

Workers’ Compensation Insurance

“One of our employees developed carpal tunnel syndrome from long hours at the computer. They needed medical treatment and had to take time off to recover.”
 
Workers’ compensation insurance gives your team benefits to help them recover from work-related injuries or illnesses. It can help cover their medical bills and replace lost wages. With The Hartford, your employees also have access to a network of over 1 million providers and 65,000 pharmacies.
commercial auto insurance for administrative businesses

Commercial Auto Insurance

“One of my administrators used the company car to pick up supplies for the office. He got rear-ended at a stop light and had to go to the hospital for treatment.”
 
Commercial auto insurance helps protect your business on the road. If you or an employee uses a business-owned vehicle for work, this coverage can help cover claims of bodily injury or property damage from an accident.

Protecting Your Property

Your office and equipment are key to keeping operations running smoothly. The right type of insurance for administrative service businesses can help protect your property from unexpected damage.
The average cost of a single act of vandalism is $3,370.4
business income insurance for administrative businesses

Business Income Insurance

“A fire broke out in my building and caused significant damage. We had to close while repairs were made.”
 
Business income insurance helps replace lost income if you can’t operate because of property damage. You can use this coverage to help pay ongoing operating expenses, such as payroll or utilities.
commercial property insurance for administrative businesses

Commercial Property Insurance

“One morning, we walked in to find our office had been broken into. Several computers were destroyed, and vandals damaged furniture and equipment.”
 
Commercial property insurance helps protect your business' property and equipment from loss or damage caused by events like storms, fires or vandalism.

Administrative Insurance You Can Count On

With more than 200 years of insurance experience, we understand the risks administrative service professionals face. We’ve designed our business insurance solutions with businesses like yours in mind. Whether you have coverage questions or need help filing a claim, we’re here to help protect your business.
 
Find out more about other business services professions we insure:
 

Frequently Asked Questions About Insurance for Administrative Services

Insurance for administrative services helps protect your business from unexpected claims. It’s made up of different types of insurance coverages designed to help protect your company from various risks. If someone gets hurt in your workplace or your business causes property damage, your general liability insurance coverage can help cover these claims. Beyond liability, the right kind of insurance can help protect your essential tools, like company vehicles and office equipment.
Your administrative services business needs insurance to cover the costs of property damage, accidents and liability claims. Without the right coverage, you’d have to pay out of pocket for costly claims. Additionally, some states require specific insurance coverage, such as workers' compensation.
The best way to get insurance from The Hartford for your administrative services business is to get a quote. Our fast and free online process makes it easy to find coverage for your specific needs. 
small business owner is happy after getting an insurance for administrative services quote from The Hartford

Get Insurance for Administrative Services Businesses

Get the protection you need to stay organized and keep your operations on track.
 
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Last Updated: April 8, 2025
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
2 National Floor Safety Institute, “Slip and Fall Quick Facts”
 
3 American Society of Safety Professionals, “Why Ergonomics Should Be at the Forefront of Worker Safety and Well-Being”
 
4 Chron, “What Can Vandalism Cost a Business?”
This page outlines in general terms the coverages that may be afforded under a policy from The Hartford. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail.
 
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 Insurance Group, Inc. In Arizona, California, New Hampshire, Texas, and Washington by Hartford Fire Insurance Company, Hartford Casualty Insurance Company, Hartford Accident & Indemnity Company, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Pacific Insurance Company, Limited, Sentinel Insurance Company, LTD (CA license #8701), Hartford Lloyd's Insurance Company, Hartford Insurance Company of Illinois, Hartford Insurance Company of the Midwest, Trumbull Insurance Company, Hartford Insurance Company of the Southeast, and Property & Casualty Insurance Company of Hartford and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.
 
Additional disclosures below.
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 Insurance Group, Inc. listed in the Legal Notice.
 
The Hartford Insurance Group, Inc., (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, CT. For additional details, please read The Hartford’s Legal Notice.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
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