The Hartford

Theft, fire, broken equipment—an unexpected loss can spell financial ruin for any business not adequately prepared. That’s why The Hartford’s Property insurance for Small Businesses helps to safeguard your most valuable assets. So you can rest a little easier knowing your business is protected.

Whether you are a one location shop or have multiple offices, our Property insurance provides the essential protection no business can do without.

For additional Property information and options, please view Details and Services.

All coverages and services may not be available for all businesses or in all states.  For details on what coverages and services are available to you, contact your agent at The Hartford today.

This site outlines in general terms the coverages and services that may be afforded under a Hartford policy. 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 Financial Services Group, Inc.

The Hartford has created Property insurance that meets the distinctive needs of today's Small Business. Below are some of the key ways we can help protect your investments in equipment, buildings and other critical business property.

All coverages and services may not be available for all businesses or in all states.  For details on what coverages and services are available to you, contact your agent at The Hartford today.

Building and Business Personal Property

Coverage to help pay for the cost to repair or replace your property, including inventory, office furniture or fixtures damaged by fire or other covered losses.

Computers and Media

Technology is a huge investment for many companies. That’s why our policy includes Computers and Media in our definition of covered property. We offer flexible limits that can be tailored to your business needs and reimburses for:

• Physical loss or damage to your computer hardware
• Loss of data or computer software
• Damage caused by computer virus
• Automatically covers portable computer equipment anywhere in the world while when you or your employees are traveling on business, except when checked as baggage 

Computer Fraud

As computer crimes become mainstream, we offer added protection to keep your business safe from electronic predators.

Accounts Receivable

Makes sure you’re able to reconstruct lost or damaged records which will enable your business to reissue bills for clients with outstanding balances.

Property in Transit

Helps to protect your business's personal property if damaged during shipment. 

Tenant Obligations

As a tenant, you may be responsible for damages to the buildling caused by a break-in, lease assessments, and damage to windows and glass doors. If so, our policy can help cover these added financial responsibilities.

Off-Premises Utility Services—Business Income

If you experience an interruption in communication, water or power supply due to an accident, storm or similar event, this coverage will reimburse your business income loss during that time.

This site outlines in general terms the coverages and services that may be afforded under a Hartford policy. 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 Financial Services Group, Inc.
 

In addition to our extensive and customizable coverage options, The Hartford also offers a range of valuable services to our customers.  Speak to your agent to see if these services are available to you.

Minimize Risk. Prevent Loss.

Once you’re a customer of The Hartford, you’ll have the opportunity to benefit from our valuable risk management services. From individual consultations to educational seminars to discounts on safety equipment, we have the expertise and resources you need to run a safer, more productive, and ultimately more profitable business. With our staff of Loss Control professionals conveniently located across the country, we’re ready and available to assist your business in developing and implementing effective measures to minimize your potential risks.

Efficient Claims Service When It Matters Most

When your business suffers a loss, nothing is more important than getting you up and running. We have several regional claim centers staffed by knowledgeable claim professionals. With The Hartford behind you, you’ll have the appropriate protection to help your business needs to succeed. And the dedicated support, resources and expertise you can rely on exactly when you need it most.

This site outlines in general terms the coverages and services that may be afforded under a Hartford policy. 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 Financial Services Group, Inc.

After over 200 years of helping businesses achieve what’s ahead, The Hartford has proven our commitment and dedication to doing right by our customers. We stand by our promises. And that’s something that you and your business can count on.

Why Choose The Hartford?

We're just not experienced in our business, we're experienced in helping protect yours.   As a result, we go beyond core coverage to provide specialized options and services unique to your industry, line of business and even size.   When you choose The Hartford, you’ll have a broad range of policies, endorsements and add-ons to tailor a coverage plan that speaks to your needs.   We are committed to providing superior customer service to support your business, every step of the way.

From critical business coverages and efficient claims handling to risk management, The Hartford will be by your side.

Anyone can sue. And for businesses, the likelihood of a lawsuit is a reality for which you just have to plan. General Liability is one of the core policies that no business should do without. At The Hartford, we’ve gone above and beyond to offer coverages and enhancements to help your business stay intact.

From slip and fall accidents to slander and copyright infringement, The Hartford offers the critical protection to keep those pesky lawsuits from becoming a financial drain.

For additional general liability information and options, view Details and Services.

All coverages and services may not be available for all businesses or in all states.  For details on what coverages and services are available to you, contact your agent at The Hartford today.

This site outlines in general terms the coverages and services that may be afforded under a Hartford policy.  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 Financial Services Group, Inc.

The Hartford has created General Liability insurance that meets the distinctive needs of today's Small Business.  Below are some of the key ways we can help mitigate your company’s liability exposure.

All coverages and services may not be available for all businesses or in all states.  For details on what coverages and services are available to you, contact your agent at The Hartford today.

Bodily Injury and Property Damage Liability

Helps protect you against financial loss in the event your business is held liable for someone's injury or property damage.

Personal and Advertising Injuries

Helps protect your business from claims of false arrest, malicious prosecution, libel, slander, wrongful eviction, discrimination or humiliation, or invasion of the right of privacy. We can also help protect you if others claim you infringed on their copyrights in your advertisements or that you copied their advertising ideas.

Medical Payments

Pay for reasonable medical costs, regardless of fault if someone is injured on your premises and needs medical treatment.

Damage to Premises Rented to You

Covers up to a specified limit when your lease makes you responsible for damages to the premises that you rent or occupy if the damages happen as a result of fire, lightening or explosion.

Employment Practices Liability

Designed to help protect employers should they be sued by an employee for sexual harassment, wrongful termination or discrimination.

Additional Insured

If a written contract requires you to name someone else as an additional insured on your policy, we'll automatically extend that status and also provide primary coverage if required by contract.

This site outlines in general terms the coverages and services that may be afforded under a Hartford policy. 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 Financial Services Group, Inc.

In addition to our extensive and customizable coverage options, The Hartford also offers a range of valuable services to our customers.

Minimize Risk. Prevent Loss.

Once you’re a customer of The Hartford, you’ll have the opportunity to benefit from our valuable risk management services. From individual consultations to educational seminars to discounts on safety equipment, we have the expertise and resources you need to help run a safer, more productive business which may, ultimately increase your profitability. With our staff of Loss Control professionals conveniently located across the country, we’re ready and available to assist your business in developing and implementing effective measures to minimize your potential risks.

Efficient Claims Service When It Matters Most

When your business suffers a loss, nothing is more important than getting you up and running. We have several regional claim centers staffed by knowledgeable claim professionals. With The Hartford behind you, you’ll have the appropriate protection to help your business needs to succeed. And the dedicated support, resources and expertise you can rely on exactly when you need it most.

This site outlines in general terms the coverages and services that may be afforded under a Hartford policy. 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 Financial Services Group, Inc.

After over 200 years of helping businesses achieve what’s ahead, The Hartford has proven our commitment and dedication to doing right by our customers. We stand by our promises. And that’s something that you and your business can count on.

Why Choose The Hartford?

We're just not experienced in our business, we're experienced in helping protect yours.   As a result, we go beyond core coverage to provide specialized options and services unique to your industry, line of business and even size.   When you choose The Hartford, you’ll have a broad range of policies, endorsements and add-ons to tailor a coverage plan that speaks to your needs.   We are committed to providing superior customer service to support your business, every step of the way.

From critical business coverages and efficient claims handling to risk management, The Hartford will be by your side.