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Get a Quote for Small Business Insurance
Business insurance, also known as commercial insurance, helps protect business owners from unexpected losses. Whether you’re running a small startup or managing an established company, commercial business insurance plays a crucial role in safeguarding your assets and employees. It also provides essential protection from unexpected claims that could disrupt your operations.
For more than 40 years, we’ve helped countless companies get the right coverages, keeping their employees safe and protecting their businesses with insurance that has earned a 4.8 star claims rating from more than 18,000 satisfied customers.*
Explore our business insurance coverage options using our quiz below, or get a quote today and find out how we can protect your business.
For more than 40 years, we’ve helped countless companies get the right coverages, keeping their employees safe and protecting their businesses with insurance that has earned a 4.8 star claims rating from more than 18,000 satisfied customers.*
Explore our business insurance coverage options using our quiz below, or get a quote today and find out how we can protect your business.
Recommended Small Business Insurance Coverage
Insurance needs can vary based on factors like your industry, location, number of employees and more. Many business owners start with a Business Owner’s Policy (BOP) and then add additional coverage as needed. These are some of the most common types of small business insurance to consider based on how your business operates.
General liability coverage helps protect your business and its assets in the event of a lawsuit for things like negligence, bodily injury, property damage, libel and slander.
Who it’s for: Businesses that work directly with customers or customers’ property, and any businesses who advertise.
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.
Who it’s for: Businesses with any part- or full-time employees.
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.
Who it’s for: Businesses that provide professional services or advice to clients or customers.
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.
Who it’s for: Businesses with property or assets.
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.
Who it’s for: Businesses that use any company-owned, leased or personal vehicles for work.
Cyber insurance provides businesses with liability coverage and helps pay the costs to prepare for and respond to cyber threats, including data privacy, network security, extortion threats, cybercrime and other critical cyber risks.
Who it’s for: Businesses that run a website or manage a network.
A Business Owner’s Policy (BOP) can be the foundation of your small business insurance. It combines three essential coverages to help protect businesses from common claims. These coverages are general liability insurance, commercial property and business income insurance.
Looking for a small business insurance policy tailored to your needs? Our BOP can be bundled with additional types of coverages to help your business save money on small business insurance. In some cases, your BOP may be eligible for a discount of up to 10% when bundled with workers’ compensation insurance.
How Small Businesses Can Think About Coverage
Not every small business faces the same risks, so coverage often depends on how you operate, who you work with and what you own. Depending on your business, you may want to consider coverage options such as:
Professional Liability Insurance
Professional liability insurance can help protect your business from claims related to mistakes, missed deadlines or errors in the services or advice you provide. Even if you believe you did nothing wrong, a client can still claim your work caused them a financial loss.
Commercial Auto Insurance
Your business might need commercial auto insurance if you or your employees use any company-owned vehicles to get the job done. It can also help if you or your employees use personal vehicles for business reasons.
Cyber Insurance
Cyber insurance can help small businesses that accept digital payments, maintain a website or store sensitive customer data. It can help you respond to cyber threats such as data breaches, ransomware attacks, compromised business emails, network intrusions and computer viruses.
Commercial Property Insurance
If your small business owns or rents a physical space or relies on tools, equipment or inventory, commercial property insurance can help protect those assets from fire, wind, lightning or theft. It’s also included in a BOP with The Hartford.
Employment Practices Liability Insurance (EPLI)
Employment practices liability insurance (EPLI) helps protect your business from employment-related claims, like wrongful termination, discrimination and harassment. It’s also included in a BOP with The Hartford.
If you’re not sure what coverage you might need, answer these three simple questions in our quiz to find out.
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Find the Right Coverage for Your Business
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Learn More About Small Business Insurance
Watch this video for more information about business insurance coverage options.
Get a Customized Business Insurance Quote in Minutes
Getting a business insurance quote doesn’t have to be complicated. With The Hartford, you can quickly explore coverage options and a customized policy designed to fit your business.
Streamlined Quoting
Our fast and free quote process helps you get business insurance in minutes. Answer a few questions to see customized coverage options and pricing.
Proof of Insurance 24/7
You can access your Certificate of Insurance (COI) online whenever you need it — day or night.
Flexible Coverage Options
Choose coverage options that fit how your business operates today, with the flexibility to update your policy as your business grows.
Whether you have questions about small business insurance options or need help with a claim, our team of specialists is here for you. Get a business insurance quote today.
Frequently Asked Questions About Business Insurance
What Does Business Insurance Cover?
Business insurance helps protect business owners from unexpected losses and claims that could disrupt normal operations. Coverage can include general liability, workers’ compensation, professional liability, commercial property, commercial auto and cyber insurance.
What Types of Business Insurance Do Small Businesses Often Need?
Coverage depends on your business needs, but many business owners start with a Business Owner’s Policy (BOP) as it combines three essential coverages: general liability insurance, commercial property insurance and business income insurance. Additional coverage can be added based on your needs or industry requirements.
How Much Does Business Insurance Cost?
On average, The Hartford’s business customers pay about $141 per month, or $1,687 per year, for business insurance.** Keep in mind that your premium may vary because every company has unique needs. Business insurance costs often depend on different factors like your industry, location, claims history, number of employees and coverage needs.
How Can I Find the Right Business Insurance Coverage for My Business?
You can use The Hartford’s three-question quiz to explore coverage options that may fit your business, then get a quote to see your options.
Customer Reviews From Business Owners Like You
“The adjuster explained the process and even went into explaining benefits of the insurance I wasn't aware of.”
Joseph from Texas
Joseph from Texas
“Very easy to deal with and submit the claim. Communications were very good.”
Lawrence from Pennsylvania
Lawrence from Pennsylvania
“Our claims consultant … really made [the] process easy in what could have been a very bad time.”
David from Massachusetts
David from Massachusetts
“[It was] easy to reach our representative. She guided me every step of the way.”
Sandy from Nevada
Sandy from Nevada
“[They are] always supportive and helpful. Knowledgeable and resourceful.”
Elisa from California
Elisa from California
“Excellent customer service from start to finish.”
Stacy from North Carolina
Stacy from North Carolina
Read Business Claim Reviews (by product)
Workers' Compensation Insurance
General Liability Insurance
Last Updated: April 28, 2026
*** Based on a 2025 study by Keynova.
** 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 What you pay for professional liability insurance will vary by product, limits chosen and risk class or hazard group associated with your business.
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