Small Business Insurance

Small Business Insurance
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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 will help cover expensive damage and lawsuits from:
  • Accidents
  • Natural disasters
  • Professional errors
  • Workers compensation claims
insurance for small business owners

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.

General Liability Insurance

General liability helps protect your business from the financial costs of bodily injury or property damage. It also helps cover any advertising injury claims made against your business. What is General liability insurance?

Business Property Insurance

Business property coverage helps protect the physical location that your business owns or leases, as well as your tools, equipment and inventory.

Business Income Insurance

Business income protection helps replace lost earnings when you can’t operate because of a covered loss, like a theft or fire.

Growing Your Small Business Insurance

Over time, you may need more protection. We’re here to help and can give you a new small business insurance quote based on the risks you may face. Learn more about the different types of coverage we have to meet your needs:
  • Workers’ compensation insurance provides benefits to employees for work-related injuries and illnesses. If you have employees, most states require workers’ comp.
  • Commercial auto insurance helps pay for costs from a covered work-related auto accident if you or your employees use a vehicle on the job.
  • Professional liability insurance, also known as errors and omissions insurance, helps protect your company against claims stating that your professional services or advice caused a client financial harm.
  • Data breach insurance, which some insurers also called cyber insurance, helps pay for liability costs, identity protection solutions, legal fees and public relations if your business suffers a cyber-attack or data breach.
costs of small business insurance

Costs of Small Business Insurance

The cost of insurance for small businesses varies, but the average annual price is around $5001 for general liability insurance. For small business owners, it can be hard to find the right insurance coverages for your unique needs, but we’re here to help.
If you’re wondering “how much does small business insurance cost,” our specialists will work with you to figure out what you need and what fits your budget.
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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 a provider, we’re a partner. We’re dedicated to small business owners and have been protecting customers for more than 200 years.
Our representatives consistently earn some of the industry’s highest customer claims ratings and reviews. And we’ve 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, 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 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 on insurance for small businesses 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 Kind of Small Business Insurance Do I Need?
Three essential types of coverages that every small business owner should have are:
  • General liability insurance
  • Business property insurance
  • Business income insurance
Our Business Owner’s Policy bundles these three basic types of business insurance together to make it even easier for you to protect your business.
Bizfluent, "The Average Cost of Small-Business Insurance"
how to protect your small business

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.
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Read Small Business Claim Reviews (by product)


Workers' Compensation Insurance


Commercial Auto Insurance


Commercial Property Insurance


General Liability Insurance

** The Ethisphere® Institute World’s Most Ethical Company®
Additional disclosures below.

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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.