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Best Small Business Insurance

Updated 07:51 AM EST, Tue May 14, 2019

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Owning a small business means you’ve made a big investment. As a business owner, you’re putting in long work days and potential weekend hours. But it’s not for nothing. You do it because you’re passionate about your business and your customers and clients. You want to grow your business and continue its success. But in the midst of operating your business and keeping customers satisfied, it can be easy to forget to think about insurance.
 
Small business insurance can help protect your business. You’ve worked hard to open the doors for business. So consider getting small business insurance to protect your business from costly claims.
 
Without small business insurance, you could be at the risk of losing everything if disaster strikes. Whether you have a brick-and-mortar location or a home-based business, different coverage options are available to help protect your small business. For example, you could lose your business property and equipment if a fire breaks out and causes significant damages. Or you may have to close down your business because you couldn’t afford to cover a customer’s medical bills after they tripped and injured themselves in your store. Small business insurance can help financially protect you and your business from potentially ruinous claims.
 
Property and casualty insurance can help protect your small business in different ways. Our Business Owner’s Policy combines three insurance coverages into one convenient policy. Also known as a BOP, a business owner’s policy contains some of the essential insurance coverages for new businesses. This includes:
 
  • Business property insurance. This helps cover the costs if the building your business is in is damaged from a covered loss. It also includes coverage for your business’s tools, equipment, and inventory. This is also known as commercial property insurance.
  • General liability insurance. Helps cover the costs of property damage, bodily injury, or personal and advertising injury.
  • Business income insurance. If your business can’t open because of a covered loss, this insurance coverage helps replace the lost income. This can help you make ongoing business expenses, bills, and payroll.
The Hartford also offers additional business insurance coverages to add onto your policy. These include:
 
  • Workers’ compensation insurance. Most states require business owners to carry workers’ compensation insurance if they have employees. This coverage provides benefits to employees with work-related injuries or illnesses. It can help cover their medical expenses, replace lost wages from missed work time, and more.
  • Professional liability insurance. This helps cover the costs if a customer files a lawsuit against your business related to the services provided. This is also known as errors and omissions insurance.
  • Commercial auto insurance. If you own, lease, or rent vehicles for your business, consider a commercial auto insurance policy. It helps protect you and your employees if you get into an accident while doing business. It can also help protect you and your employees if you use your personal vehicles for business.
Every business has its own unique needs to address. The Hartford gives business owners the ability to create a truly personalized small business insurance policy for their company.
 
The top small business insurance companies work for their clients by providing bundled and unique insurance options. These insurance products help small businesses as they continue to grow and succeed. The best small business insurance companies help decipher exactly what your needs are and help you choose the right policies for your company.
 
Knowing your business type, classification, and the industry you operate in means you can start comparing quotes for the best small business insurance. The cost of small business insurance will vary, but The Hartford is here to help small business owners figure out exactly what their needs are.
 

How to Find the Best Small Business Insurance

When you’re trying to find the best small business insurance to protect your business, you’ll want a company that is experienced and supportive.
 
An experienced insurance company has a broad portfolio of insurance coverages that can help protect businesses from different risks. Experience can also bring a positive reputation. The Hartford has been helping small businesses in the U.S. for over 200 years. Our insurance portfolio also features diverse products to help protect your business from various claims, including property damage, bodily injury, employee illness, or advertising injury.
 
If the unexpected happens, we want our customers to know we’ve got their back. Our specialists can help walk business owners through the claims process and answer any questions they may have about their coverages. Our goal is to get your business back in operation if it’s impacted by a covered loss.
 

Small Business Insurance From The Hartford

Whether your small business is brand new or has been in operation for decades, the unexpected can happen. Businesses can get sued, damaged by a fire, or be burglarized or vandalized. With The Hartford’s Small Business Insurance, you can rest easy knowing protecting your business is our top priority.
 
We’ve been protecting customers for more than 200 years. We understand every business is unique. That there are unique risks small businesses face. Our team of specialists is dedicated to helping business owners find the right small business insurance for their needs.
 
A small business insurance policy with The Hartford means you receive industry-leading customer care. And if the unexpected happens, our team is here to help you. Our claims representatives consistently receive high customer claims ratings and reviews.
 
Talk with an agent or get a quote today to find out how our small business insurance can help protect your business.
 

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.