Find an Agent Claims Contact Us Agents & Producers MY ACCOUNT Auto Home Business Employee Benefits About The Hartford Insurance Business Insurance 4.8/5 Star Claims Experience* (18545 reviews) Popular Business Insurance Solutions to Meet Your Needs Business insurance, also known as commercial insurance, helps protect business owners from unexpected losses. Get a business insurance quote to learn more. For the last 50 years, we’ve helped countless companies and their employees. In fact, more than 18,000 of them have given us a 4.8 star claims rating.* There are many types of insurance options to help protect the company you’ve worked hard to build. They provide coverage for business property damage, legal liability and employee-related risks. Business insurance can also help replace lost wages if your employees get a work-related injury or illness and need time to recover. Find the Right Coverage for Your Business Not sure what types of business insurance are right for your small business? Take this 3-question quiz to find out. 1 2 3 What industry are you in? Type keywords that best describe your business. Select the closest match. Next If you don't find your business, select "Other" or give us a call at 866-256-1860 Importance of Business Insurance Coverage In most states, your business needs certain coverages to operate, like workers’ compensation insurance. Workers’ comp gives your employees benefits to help them recover from a work-related injury or illness. It can pay for medical expenses and help replace lost wages if your employees have to miss work. Liability insurance is also important because it helps pay the legal fees and costs related to lawsuits filed against your business. Without these coverages protecting your business, you’d have to pay out of pocket for claims. Popular Industries We Insure Select Industry Arborists & Landscaping Associations Business Services Contractors & Construction Cultural Organizations & Museums Educational Institutions Finance & Insurance Healthcare Livestock Manufacturing Personal Care Services Pet Services Printing & Publishing Professional Services Real Estate & Related Restaurants & Food Retail Security Specialized Truck Equipment Technology Wholesalers & Distributors See All Industries Choose the Best Types of Business Insurance Top Recommended Insurance for Business Owners To help protect your business’ property, income and financial assets, a Business Owner’s Policy (BOP) is good to have. It combines three different types of coverage into one, such as: Business property insurance to help protect your owned or rented building and the equipment used to operate your company. This can include your: Physical locations Tools Computers Inventory Accounts receivable General liability insurance to help cover claims that your business caused: Bodily injury Property damage Personal injury, like libel or slander Business income insurance, also known as business interruption coverage, to help replace lost income if you can’t operate because of covered property damage. This includes damage from fire, destructive winds or burglaries. Depending on the unique needs of your company, you can also add other types of coverage to customize your protection. Looking for the Best Business Insurance for Business Owners? The Hartford makes it easy to get business insurance quotes online. Start Quote Business Insurance in My State Select a state using the map or dropdown menu. Or, browse all states business insurance coverages. Note: Coverage is not available in all states. Select a State Alabama Business Insurance Arizona Business Insurance Arkansas Business Insurance California Business Insurance Colorado Business Insurance Connecticut Business Insurance Delaware Business Insurance Florida Business Insurance Georgia Business Insurance Idaho Business Insurance Illinois Business Insurance Indiana Business Insurance Iowa Business Insurance Kansas Business Insurance Kentucky Business Insurance Louisiana Business Insurance Maine Business Insurance Maryland Business Insurance Massachusetts Business Insurance Michigan Business Insurance Minnesota Business Insurance Mississippi Business Insurance Missouri Business Insurance Montana Business Insurance Nebraska Business Insurance Nevada Business Insurance New Hampshire Business Insurance New Mexico Business Insurance New York Business Insurance North Carolina Business Insurance North Dakota Business Insurance Oklahoma Business Insurance Ohio Business Insurance Oregon Business Insurance Pennsylvania Business Insurance Rhode Island Business Insurance South Carolina Business Insurance South Dakota Business Insurance Tennessee Business Insurance Texas Business Insurance Utah Business Insurance Vermont Business Insurance Virginia Business Insurance Washington Business Insurance Washington, DC Business Insurance West Virginia Business Insurance Wisconsin Business Insurance Wyoming Business Insurance CT DE MD RI DC Specialized Business Insurance Coverage for Unique Risks The types of business insurance you need can be as unique as your company. We can help you choose your business insurance coverage from options like: Business auto insurance, which helps protect you and your employees on the road if you’re driving for work. Data breach insurance for help covering the costs of responding to a breach if personally identifiable information gets lost or stolen. Professional liability insurance, also known as errors and omissions coverage, to help cover claims that you made a mistake in the professional services. Business Insurance That Can Be Tailored to Your Business Needs Our specialists are here to help ensure you have the right kind of business insurance, made to meet your company’s unique needs. Start Quote The Hartford Business Insurance: Trusted Experience Many insurance companies offer the same coverage. That’s why it’s important to find an insurer that truly has your back. For more than 200 years, we’ve helped over 1 million businesses like yours. Today, we’re honored to be a trusted insurance company for businesses of all sizes. In fact, The Ethisphere Institute named us a World’s Most Ethical Company® 12 times.** Whether you have questions about insurance options or need help with a claim, we’re here to help. Get a business insurance quote today. More Answers to Frequently Asked Business Insurance Questions What Does Business Insurance Cover? Types of Business Insurance How to Calculate Business Income for Insurance Business Insurance Definition & FAQs Customer Reviews "The Hartford customer service representative was detailed on different options that would cater to my small business needs." Willie "Our experience with The Hartford has been excellent and easy. Our needs have been covered." Jon "The Hartford took care of our claim without involving a great deal of my time." Martha Read Business Insurance Claim Reviews (by product) Workers' Compensation Insurance 4.8/5 Star Claims Experience* (6039 reviews) General Liability Insurance 4.8/5 Star Claims Experience* (1160 reviews) ** The Ethisphere® Institute World’s Most Ethical Company® Additional disclosures below. You Might Be Interested In: The Basics of Setting Up a Business Don’t forget the essentials when starting your small business. Do I Need Liability Insurance? Learn how it can help protect you, your employees and your business. 5 Tips for Choosing a Business Property Insurance Plan What you need to know when picking your property coverage. Last Updated: August 30, 2021 PRODUCTS Auto Home Business Employee Benefits Mutual Funds COMPANY About Us Careers Agents & Producers Newsroom Investor Relations Mobile App CONNECT Contact Us Report a Claim Find an Agent Small Business Playbook Small Biz Ahead Extra Mile LifeLime Twitter Facebook Linkedin YouTube Privacy Policy Legal Notice Accessibility Statement Producer Compensation EEO © 2021 The Hartford The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature. The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation. 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 Arizona, New Hampshire, Washington and California, the insurance is underwritten by Hartford Accident and Indemnity Company, Hartford Casualty Insurance Company, Hartford Fire Insurance Company, Hartford Insurance Company of Illinois, Hartford Insurance Company of the Midwest, Hartford Lloyd’s Insurance Company, Hartford Underwriters Insurance Company, Maxum Casualty Insurance Company, Maxum Indemnity Company, Navigators Insurance Company, Navigators Specialty Insurance Company, Pacific Insurance Company, Property and Casualty Insurance Company of Hartford, Sentinel Insurance Company, Ltd., Trumbull Insurance Company and Twin City Fire Insurance Company. The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including Hartford Fire Insurance Company. The Hartford® is The Hartford Financial Services Group, Inc. and its property and casualty subsidiaries, including Hartford Fire Insurance Company. Its headquarters is in Hartford, CT. * Customer reviews are collected and tabulated by The Hartford and not representative of all customers.