thehartford.com

We don't just sell small business insurance; we focus on it. We tailor coverages to meet the needs of a diverse array of small businesses-including yours. Talk to your agent about coverage designed to respond to your needs, or find an agent now.

We provide world-class small business insurance products that protect what you value most. When you insure your business with us, you're covered by one of the nation's largest insurers. We have a 200-year history of serving businesses worldwide. Here are just a few reasons why they choose The Hartford for small business insurance:

Exceptional Service

Service is so important to us that we have professionals dedicated to serving small business owners like you across the country. So when your insurance agent partners with these professionals, they're always available to answer your questions, handle your requests, make changes to your policy and more. Plus, we offer fast, flexible service when you need it most-at claim time. In fact, we make it easy to report claims. Just call our toll-free claim reporting hotline 24 hours a day or send us your claim information online.

Ease of Doing Business

We integrate the latest technology into our business operations to help us work more efficiently. Not only does this help keep costs down and service quality high, but it also allows us to pass savings on to our customers.

Array of Products

We offer a wide range of products to provide broad insurance coverage for small business, including:

• SPECTRUM®: As a small business owner, you know how much work it takes to make a business succeed. The last thing you need is an unexpected loss to wipe out your bottom line. For more than 20 years, continuous innovation has made the Spectrum business owners' policy a standout product in the small business insurance realm. True to its name, this policy provides a broad spectrum of industry-specific coverages to help protect you from property and liability losses. You can add many optional coverages with our bundled Stretch® endorsements, designed for maximum flexibility and cost-efficiency.  
• Workers' compensation:  People are one of your most important assets. So when an employee suffers a work-related injury or illness, you feel it - emotionally and financially. Because employee injuries can impact your insurance premiums and your profitability, you need the knowledge of a seasoned company that offers capabilities to help address these indirect costs.
  
  In these tough times, making premium payments can be a challenge. XactPAY Web® offers a unique, hassle-free approach to paying for The Hartford's workers' compensation insurance. Rather than tying up vital cash in paying a large deposit premium, and premium based on estimated payroll, your premiums are paid on actual payroll one payroll period at a time. The service calculates insurance premiums and payments are then drawn by The Hartford directly from your bank account every time you run payroll using QuickBooks® payroll.*
• Commercial auto insurance:  Although auto insurers are required to provide standard protection, such as liability coverage for injuries or damage caused to others, our policy goes well beyond the basics - thanks to valuable built-in excess coverage for hired autos, legal liability coverage for negligent drivers and other advantages. In fact, we include 17 coverage enhancements - in one convenient commercial auto policy - to better protect your business.**

* QuickBooks® is a registered trademark and service mark of Intuit Inc. in the United States and other countries, and is displayed herein with permission.  XactPAY Web® is a special edition for QuickBooks users with (1) a 2007 or newer version of any PC Desktop version of QuickBooks, and (2) a subscription for Intuit QuickBooks Basic, Standard, Enhanced or Assisted Payroll (XactPAY Web is not available to QuickBooks Online Payroll subscribers).  Intuit Inc. receives a royalty fee from The Hartford in connection with The Hartford's use of the Intuit name, marks and other property, which are used for purposes of marketing the XactPAY Web service.  The purchase of a Hartford Workers' Compensation policy is necessary to utilize the XactPAY Web service. All insurance policies offered by The Hartford are sold through licensed insurance producers or agents appointed by The Hartford. 

Intuit Inc. receives a royalty fee from The Hartford in connection with The Hartford’s use of the Intuit name, marks and other property, which are used for purposes of marketing the XactPay WEB service.

**Not all coverages are available in all states.