Small Business Insurance for USAA Members

Small Business is Our Business

For USAA Members From start-up to established; from zero employees to 10+, every small business needs insurance.
 
More than 1,000,000 small businesses have placed their trust in The Hartford.1 That’s why USAA3 and The Hartford have partnered to offer insurance solutions that help protect your business so when the unexpected happens, you don’t just endure … you prevail.

Whether your small business is just starting out or growing to the next level, you can get flexible coverage to meet your unique needs with The Hartford.
Learn More About Coverages for USAA Small Business Owners
Our latest research shows that small business owners view the insurance experience as a balancing act between purchasing coverage that’s just right – i.e. not too much, not too little – but at a price they can afford. With The Hartford, you can purchase the right amount of coverage for your unique business needs.
 
The Hartford offers two critical insurance coverages: business property and business liability in one policy – Business Owner’s Policy (BOP). This convenient policy can protect your business against fire, theft, lawsuits and more.
 
Key optional coverages you should consider:
 

Business Income

  • Income loss is the primary reason most businesses do not open after a serious loss
  • 55% of small businesses report not having business income insurance§
  • Provides income for ongoing expenses while your business recovers
  • Optional Business Income for Off-Premises Utility Services
  • $3,000 a day is the median cost of downtime from a business affected by an extreme weather event
  • Optional coverage includes $25,000 coverage limit and a brief 12-hour waiting period after loss before coverage kicks in


Data Breach

  • 1 out of every 3 data breaches investigated in 2012 were from small businesses
  • $188 per breached record was the average cost of a data breach in 2012§§
  • Endorsement includes access to resources to help prevent data breaches and specialized assistance to help if one occurs
 
Let The Hartford stand behind your business, call 1-855-829-1682 to talk with an insurance specialist.
 
 
§ Independent Agent Magazine, June 30, 2011; "How to Sell Business Income Insurance"

Symantec's 2011 SMB Disaster Preparedness Survey

Percentage is approximate based on the Verizon 2013 Data Breach Investigations Report

§§ 2013 Cost of a Data Breach Study, United States, Ponemon Institute LLC, Report Date: May 2012
 
Our research shows that there are three things most small business owners worry about when it comes to compensating a disabled employee:
 
  • The cost to cover expenses
  • Navigating the medical and legal system
  • Getting their employees healthy and back to work
With The Hartford, you can purchase workers' compensation insurance coverage that helps you accomplish all three things. Our unique approach to covering injured employees goes beyond the basics and exceeds industry standards:
 
  • The Hartford’s Team•WorkSM program helps gets employees back to work a full week earlier than average – with 50 percent returning within 36 days*
  • A broad network of physicians, nurses and pharmacies makes it easier and faster to find quality, trustworthy care
  • Outstanding educational tools like chalk talks and Loss Prevention solutions help employers learn how to manage costs and help employees prevent injuries before they happen
Let The Hartford stand behind your business, call 1-855-829-1682 to talk with an insurance specialist.
 
 
* 2013 The Hartford Team•WorkSM Results
According to our research, business owners worry about finding the right auto coverage, maintaining their rates over time and avoiding hassles when it comes time to make a claim.
 
With The Hartford, you can get the right auto coverage for your business as well as an excellent claims experience if the time comes.
 
With business auto coverage from The Hartford, you get:
 
  • A broad form endorsement – automatically added to every policy at no additional cost – providing critical coverages such as Loan Lease Gap, Hybrid Payment and Electronic Equipment (Existing)
  • Accident forgiveness: Fender Bender Forgiveness will eliminate the worry of a small incident driving up rates, and by staying claim free for three years, your next claim will be forgiven
  • New discounts for safety features and for use of telematics devices
Let The Hartford stand behind your business, call 1-855-829-1682 to talk with an insurance specialist.
 
 
1 This represents the sum total of all small businesses insured by The Hartford, including but not limited to USAA affiliated small businesses.
 
2 The Hartford publishes reviews so you can read about actual experiences our customers have shared. The reviews are individual descriptions of customer experiences with our products and services that will vary based on their unique circumstances. Each review has been reviewed by The Hartford and reviews are not representative of all customers. USAA reviews are as of June 2016 and are subject to change.
 
3 USAA is acting as an agent through its insurance agency affiliate, USAA General Agency, Inc. or USAA Insurance Agency, Inc. The USAA Business Insurance Program offered through the agency affiliate is available only to persons eligible for USAA membership. The Hartford Fire Insurance Company and its affiliates provide the insurance for this program. All insurance applications are subject to underwriting to determine acceptability. Product availability and coverage may vary by state. Insurance descriptions are general in nature. Please refer to your policy for full disclosure of coverages, limitations and conditions.
 
Use of the term “member” or “membership” refers to membership in USAA Membership Services and does not convey any legal or ownership rights in USAA. Restrictions apply and are subject to change.
 
USAA means United Services Automobile Association and its affiliates.
 
237564-0217
 
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.