Best Small Business Insurance for Your Company

Owning a small business means you’ve made a big investment. Chances are, you work long days and potentially even weekend hours. You do it because you’re passionate about your business, your customers and clients. But with everything on your plate, it can be easy to forget about insurance.

Having insurance that has your back is important because your business faces risks every day. Small business insurance can help ensure you don’t lose everything if a disaster strikes.

For example, you could lose your business property and equipment if a fire breaks out. Or, you may have to close if you can’t afford to cover a customer’s medical bills after they slip and fall while inside your location.

We offer a range of coverages to help protect small businesses from claims that could shut you down.

What Is the Best Small Business Insurance?

There’s not a one-size-fits-all small business insurance policy. Every business is different and has unique needs. You can customize your coverages to create the best small business insurance policy for you.

Many small business owners start with a Business Owner’s Policy (BOP) for basic coverage. It combines three essential coverages that help protect your small business from claims of bodily injury or property damage. With a BOP, you’ll get:

You may be also able to customize your BOP to add more coverage for your small business, like:

Getting the Best Small Business Insurance for Your Company

Of course you want the best small business insurance you can find to keep your company protected. To get the best one, you’ll want to work with an experienced insurance carrier. We have over 200 years of experience and have worked with small business owners in every industry to better understand their risks. So, our specialists can get you the coverages you need for your small business. Whether you need a quote or help filing a claim, we’re here for you.

The Best Small Business Insurance for Technology Businesses

Common technology insurance coverages include:

Professional liability insurance to help protect business owners from errors, mistakes or omissions in services provided to customers. This coverage can be added to a Business Owner’s Policy or purchased as a standalone policy.
General liability insurance to help cover claims that a technology business hurt somebody or damaged someone else’s property.
Data breach insurance to help respond to a breach if personally identifiable information is stolen. Some insurers call this coverage cyber liability insurance.

The Best Small Business Insurance for Pet Groomers

We’ve helped pet groomers across the country get the coverages they need. Common pet grooming insurance options include:

Animal bailee coverage, which helps protect animals in the care of a groomer. If an animal gets hurt or lost, this coverage can help pay for veterinary bills or advertising costs.
Animal damage to buildings coverage to help protect buildings or business property. So, if a dog escapes from their leash and chews up a chair, this coverage can help pay for the damages.
Pet groomer professional liability insurance, which helps cover legal costs or judgments and settlements if a client sues a groomer for a mistake or omission in services.

The Best Small Business Insurance for Accountants

We know accountants face challenges unique to their work. Common accountancy insurance coverages we offer include:

Electronic data and interruption of computer operations, which can help pay to repair or replace a firm’s computers, data or software if they’re damaged from a virus or power failure.
Valuable papers and records coverage to help recreate important paperwork if they’re damaged. This includes ledgers, financial statements or employee and client files.
Accountants professional liability insurance, to help protect a firm from lawsuits related to mistakes or omissions in the services given.

The Best Small Business Insurance for Videographers

Our videographer insurance helps business owners film confidently. Common coverages for videographers include:

Professional liability insurance for videographers to help cover legal costs if a client sues them for a mistake or omission in the services given.
Scheduled camera equipment coverage to help pay repair or replacement costs for equipment. This coverage applies to equipment wherever it is in the world.
Commercial auto insurance to help protect videographers and their team on the road if they drive for business. This can help cover property damage and injuries from an at-fault accident.

The Best Small Business Insurance for Home Inspectors

Examining the structure of a house can put home inspectors at risk of many types of claims. Common coverages we offer for home inspector insurance include:

Business income for essential personnel to help replace lost income if a home inspector has to miss at least a month of work. Be aware that this insurance is only available for home inspection businesses with employees and coverage doesn’t apply to the business owner.
Lost keys coverage to help pay for new locks if an inspector misplaces a set of keys.
Contractor’s tools coverage, which helps protect equipment worth less than $500. It can help pay for repair or replacement costs if the tools get damaged.

The Best Small Business Insurance for Caterers

Working with food means caterers face risks. Common catering insurance coverages we offer include:

Perishable goods in transit to help cover losses from food getting spoiled while in transit.
Liquor liability insurance to help cover claims that a caterer caused an injury from selling, serving or furnishing alcohol.
Business income for food contamination to replace lost income if a governmental authority shuts down the business after a food poisoning case. It can also help cover extra expenses.

Best Small Business Insurance Companies

It takes some research to find the best small business insurance companies. Not every insurer is the same or offers the same kind of protection.

At The Hartford, we’re proud to be a commercial property insurer that’s helped over 1 million small business owners. We want to help you get the types of coverages your small business needs. Find a local insurance agent or get a small business insurance quote today and learn how we can help your company.