Professional & Specialty Services Business Insurance

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Why Professional & Specialty Services Need Business Insurance

Your specialty service business deals with a variety of customer interactions day in and day out, which can expose your business to some unique risks. And this is in addition to the typical risks most businesses deal with, like damage to your workplace or loss of important documents. Learn about the insurance coverage professional and specialty service businesses like yours typically need and most often purchase, from The Hartford.

Business Owner’s Policy

Most professional and specialty service businesses should have a Business Owner’s Policy (BOP). Why? Because it helps protect your business in much the same way a homeowner’s policy helps protect your home and personal possessions.
By combining three basic coverages that are important to virtually every small business, a BOP can help save you money while safeguarding what you’ve worked hard to build.
  1. General Liability – helps protect your business from certain lawsuits alleging injuries or property damage that occurred as the result of your business operations like if a customer is injured at your workplace or an employee causes damage to a customer’s property. It even helps cover certain claims of slander and libel. Business Liability does not cover liabilities directly arising out of the professional services you may provide.
  2. Commercial Property – helps protect the place where you do business and the things you use to conduct business, like tools and equipment – whether you own or lease them.
  3. Business Income – helps cover the loss of income when you can’t run your business because of covered property damage.
Learn more about our Business Owner’s Policy for your small professional & specialty service business.
Easily Add Optional Insurance Coverages to a Business Owner’s Policy
Professional Liability insurance helps cover the costs and legal fees your professional or specialty service business may incur if it is found legally negligent in the services it provides. For example, if your service business is late delivering services to a customer and that customer claims they lost business because of it, Professional Liability insurance may help cover the expenses your business incurs related to the claim.
Specialty service businesses often keep important employee and customer information, including Social Security and debit/credit card numbers. Data Breach Coverage helps pay the costs of notifying impacted individuals, managing public relations, good faith advertising, and more if personal information is lost or stolen.
Your professional or specialty service business may be sued by current or former employees claiming issues such as harassment, wrongful failure to promote, discrimination or wrongful termination. For example, if a former employee claims he was terminated in retaliation for reporting workplace misconduct, your business may incur costly legal expenses. EPL may help cover legal expenses like these.
Employee Benefits Liability insurance may help cover costs to your professional or specialty business that arise from claims that errors or omissions were committed in the administration of your company’s employee benefits plan. For example, if an employee claims that she was misinformed about whom she may add to her health insurance policy, Employee Benefits Liability Insurance may help cover the costs your company incurs related to her claim.
While conducting business off premises, Limited Care, Custody or Control Property coverage may help cover the costs to your professional or specialty service business in the event that a customer’s property is damaged while in your care. For example, if your specialty service business performs computer repairs, and accidentally damages a customer’s laptop during the time it is in your possession, Limited Care, Custody or Control Property Damage coverage may help cover the costs incurred by your business related to the damage claim.
Bundle Insurance Coverage for Professional & Specialty Services Businesses
It’s easy to increase your BOP protection at an affordable price with The Hartford’s Stretch® endorsements that bundle valuable key coverages. For specialty businesses like yours we offer:
  • Basic Stretch
  • Super Stretch 
  • Super Stretch for Business Services
Contact an agent or a representative from The Hartford about these cost-effective solutions that help take the guesswork out of selecting the right coverage for your professional & specialty services.

Additional Solutions

If you have employees, use a car for work, or work from home, you may also benefit from:
Other Important Insurance Options for Professional & Specialty Businesses
Required by most states, workers’ comp provides benefits to your employees for work-related injuries or illnesses including medical care, wages from lost work time, and more. And if the worker’s family decides to sue you, coverage can help you with related legal fees. Businesses have been turning to The Hartford for workers’ comp coverage for more than a century. 
Do you use your car to visit customers, pick up supplies, run work errands or more? 
A Business Auto Policy provides coverage generally not included in a personal auto policy. It can help cover you or an employee when an owned vehicle, used for business purposes, is involved in an accident. 
If you run your specialty service business out of your home, you probably want a Business Owner’s Policy (BOP). A BOP provides coverage not generally available with a homeowner’s policy.
Ask yourself, “Do I have customers come to my home, provide services away from my home, have employees or inventory?” If so, your agent or a representative from The Hartford can help you select the right coverage to protect your business.

Learn More About Home-Based Business Insurance
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.
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.