Find an Agent Claims Contact Us Agents & Producers MY ACCOUNT Auto Home Business Employee Benefits About The Hartford Insurance Business Insurance Small Business Insurance 4.8/5 Star Claims Experience* (14392 reviews) What Is Small Business Insurance? Most small business owners need small business insurance. Having it can help protect the livelihood you’ve worked so hard to build. The right small business insurance can help cover expensive damage and lawsuits from: Accidents Natural disasters Professional errors Workers’ compensation claims When It Comes to Business Insurance for Small Businesses, We’ve Got Your Back For over 30 years, we’ve supported small businesses like yours. Whether it’s through business income, liability or workers’ compensation insurance, we can help you customize the coverage you need. Types of Small Business Insurance Small business insurance helps protect your company’s personal property and income. It also helps safeguard you against liability claims. To get the best small business insurance protection, you’ll most likely need more than one coverage. With our Business Owner’s Policy (BOP), you’ll get three essential coverages combined into one: General Liability Insurance General liability insurance helps protect your business from claims that it caused bodily injury or property damage to someone else. It can also help protect your business from claims of personal injury, like libel or slander. Business Property Insurance Business property insurance helps protect your owned or rented physical building and the equipment used to operate your company. Business Income Insurance Business income insurance, also known as business interruption coverage, helps replace your lost income if you can’t operate because of covered property damage, like from a fire or theft. Growing Your Small Business Insurance Over time, you may need more protection. We’re here to help and can give you a small business insurance quote based on the risks you face. Learn more about the different types of coverage we offer to meet your needs: Workers’ compensation insurance to give your employees benefits if they get a work-related injury or illness. Most states require this coverage if you have employees. Commercial auto insurance helps keep you and your employees safe on the road while driving for business. Professional liability insurance, also known as errors and omissions insurance, helps protect your company against claims that it made a mistake in the professional services given. Data breach insurance, which some insurers call cyber insurance, helps pay for you to respond to a breach if personally identifiable information gets lost or stolen. Costs of Small Business Insurance The cost of insurance for small businesses varies, but the average annual price is around $500 for general liability insurance.1 We realize that small business owners can have a hard time finding the right insurance coverage for your unique needs, but we’re here to help. If you’re wondering “How much does small business insurance cost?” our specialists can work with you to figure out what you need and what fits your budget. Start Quote Choose Your Industry Beauty Shop Insurance Consulting Insurance Photography Insurance Retail Insurance Technology Insurance See All Industries The Hartford Small Business Insurance: Experience You Can Trust Not all insurance companies offer the same level of service. With us, you’ll find that we’re more than just an insurance company – we’re a partner. We’re dedicated to small business owners and have been protecting customers for more than 200 years. We can help you find the right type of business insurance for your company. Our representatives consistently earn some of the industry’s highest ratings and reviews for customer claims. We’ve also been recognized as a World’s Most Ethical Company® 12 times by the Ethisphere Institute.** To find out how we can help you protect your business, talk to an agent or get a small business quote today. More Information About Small Business Insurance Why Do I Need Small Business Insurance? Most states require some form of insurance for small business owners. No matter how careful you are, accidents can happen. When they do, having the right types of coverage can make all the difference. Learn more about insurance needed for small business. Can The Hartford Help Me Get Small Business Insurance in My State? We proudly partner with thousands of small business owners throughout the country. If you’re looking for more information about small business insurance where you live, check out our state business insurance page. Do I Need Small Business Insurance for My LLC? Registering as an LLC doesn’t protect your business from risks. We created our LLC insurance specifically for small business owners. It can help keep you covered from devastating financial losses. What Insurance Do You Need When Starting a Small Business? Three essential types of business insurance you may need when starting a small business are: General liability insurance Business property insurance Business income insurance Our BOP bundles these types of business insurance together to make it even easier for you to protect your company. Small Business Partners USAA Members Thomson Reuters Learn more about innovative business solutions from our trusted partners. Ready to Tailor Your Small Business Insurance? Our specialists are here to help ensure you have the right kind of small business insurance, tailored to your company’s unique needs. Start Quote More Answers to Frequently Asked Small Business Insurance Questions Small Business Insurance Cost What Types of Insurance Does a Small Business Need? Small Business Liability Insurance Small Business Definition & FAQs Customer Reviews "You know you never think of workers’ comp until you pay for it and when that accident happens. It was a huge relief to have The Hartford handle everything." Mark "Claim was so easy to place online. Within 15 minutes, I got an email from the person handling the claim and everything was taken care of almost immediately." Carl "My business has had three claims with The Hartford since 1994. I’m confident that The Hartford will provide the highest level of service and support among business insurance providers." Chris Read Small Business Claim Reviews (by product) Workers' Compensation Insurance 4.8/5 Star Claims Experience* (6031 reviews) Commercial Auto Insurance 4.7/5 Star Claims Experience* (1327 reviews) Commercial Property Insurance 4.8/5 Star Claims Experience* (5878 reviews) General Liability Insurance 4.8/5 Star Claims Experience* (1156 reviews) ** The Ethisphere® Institute World’s Most Ethical Company® 1 The Balance Small Business, “How Much Will Insurance Cost for My Small Business?” Additional disclosures below. You Might Be Interested In: Avoiding Security Risks See how you can avoid the top security risks that small businesses face. Why You Need Liability Insurance for Your Small Business Find out more about liability coverage and how it can help protect your small business. Insurance Checkup Not sure if your small business is fully covered? Learn more about the policies you should be regularly reviewing. 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.