Business Insurance Coverages

Top Small Business Insurance Coverages

Business Owner's Policy

BUSINESS OWNER'S POLICY

Combines into one convenient and cost-effective policy some of the most critical coverages businesses need including Commercial Property, General Liability and Business Income insurance.
General Liability Insurance

GENERAL LIABILITY INSURANCE

Can help protect your business assets in the event of a lawsuit for things like negligence, personal injury, libel and slander.
Workers' Compensation Insurance

WORKERS' COMPENSATION INSURANCE

Helps compensate employees for expenses associated with work related injuries or illnesses like medical bills, rehabilitation, and lost wages.

Other Types of Business Insurance Coverages You Might Need

Business Income Insurance

BUSINESS INCOME INSURANCE

Helps replace lost income when a business is unable to function and generate earnings because of a covered property loss or damage from incidents like fire, wind and theft.
Commercial Auto Insurance

COMMERCIAL AUTO INSURANCE

Helps cover you, your employees, and the vehicles you own, lease, rent or borrow – on the road and off. If an accident happens, this can help prevent it from damaging your bottom line.
Commercial Flood Insurance

COMMERCIAL FLOOD INSURANCE

Can help shelter your business from flooding caused by hurricanes, rain, snow melts, and construction run-off. The Hartford offers commercial flood Insurance through the National Flood Insurance Program.
Commercial Property Insurance

COMMERCIAL PROPERTY INSURANCE

Helps protect the property your business owns and leases, including buildings, equipment, inventory and furniture. It also helps cover lost income if you can’t run your business because of covered property damage.
Commercial Umbrella Insurance

COMMERCIAL UMBRELLA INSURANCE

Helps increase a business’s liability protection when the indemnity cost of a lawsuit exceeds the indemnity limits of core business coverage.
Data Breach Insurance

DATA BREACH INSURANCE

Helps cover liability expenses to respond to a data loss or theft. It also helps you comply with data-related regulatory requirements and provides guidance on how to prevent and handle a data breach.
Employment Practices Liability Insurance

EMPLOYMENT PRACTICES LIABILITY INSURANCE

Helps cover defense and damages costs resulting from a variety of employment-related claims including allegations of wrongful termination, discrimination, workplace harassment and retaliation.
 
Home Based Business Insurance

HOME-BASED BUSINESS INSURANCE

Do you run a business out of your home? Without the right coverage, your business could be financially responsible for property damage, lawsuits, employee injuries, or issues related to data loss.
Management & Professional Liability Insurance

MANAGEMENT & PROFESSIONAL LIABILITY INSURANCE

Helps cover you and your company if you are found negligent in the professional services you provided. Offers management & professional liability options for professionals, nonprofits and private companies.
 
Marine Insurance

MARINE INSURANCE

Helps cover cargo and the vehicles that carry it over land, sea and air. The Hartford offers a full range of specialized inland and ocean marine protection for a broad variety of industries.
Multinational Insurance

MULTINATIONAL INSURANCE

Multinational Choice insurance from The Hartford bundles key coverages for businesses and educational institutions that do business outside the U.S. or have locations or employees overseas.
 
Risk Engineering

RISK ENGINEERING

The Hartford’s Risk Management team provides businesses with loss control services that include work site safety evaluations, safety training, driver safety programs and business continuity consulting.
Surety & Fidelity Bonds

SURETY & FIDELITY BONDS

The Hartford’s dedicated Bond Division and Fidelity underwriters offer the flexibility businesses need to safeguard valuable assets and comply with contractual, statutory or court mandated requirements.
The Hartford® is The Hartford Financial Services Group, Inc. and its property and casualty subsidiaries, including issuing company, Hartford Fire Insurance Company. Its headquarters is in Hartford, CT.
 
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 CA by Sentinel Insurance Company, Ltd. (CA license # 8701) and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.