Small Business Insurance

Combined Coverage For Special Advantages.

Our small business insurance team has been dedicated to helping small business owners like you for more than 30 years. Whether it’s workers’ compensation, business income, property or liability insurance, we can help protect you. We're here to help propel you, your employees and your small businesses forward.

Types of Small Business Insurance

At its most basic level, small business insurance should help protect your company's property, income and safeguard you against liability claims. There is not just one single type of small business insurance policy, but our business owner’s policy combines three essential coverages – business property, general liability and business income insurance – under one powerful policy.

• Business property insurance – Helps protect the physical location that your business owns or leases as well as property such as tools, equipment and inventory.
• General liability insurance – Helps protect your business from the financial costs of property damage, bodily injury, personal and advertising injury claims made against your business.
• Business income insurance – Helps replace lost income when you are unable to conduct business due to a covered loss like a theft or fire.

Extending Your Small Business Insurance

As your small business grows, you may need more insurance. The Hartford offers a wide selection of business coverages to address the specific needs of different companies, so select your coverage and get your small business insurance quote. Many small businesses also choose:

• Workers' compensation insurance – If you have employees, most states require workers’ comp. This coverage provides benefits to employees for work-related injuries and illnesses.
• Commercial auto insurance – If you or your employees use a vehicle for work, consider adding commercial auto to your insurance policy. This coverage helps cover costs arising from a covered work-related auto accident.

Insurance Requirements For Small Business

All small businesses are required to have Workers' Compensation, Unemployment Insurance, and sometimes Disability Insurance. Other requirements for small business insurance vary by industry, as well as local, state, and federal law.

What Constitutes A Small Business ?

The exact definition of a small business varies by industry, but according to the Small Business Administration, it's usually 500 employees or less for mining or manufacturing, and $7.5 million or less in revenue for other industries