Connecticut (CT) Business Insurance

Choose The Hartford for All Your Connecticut Business Insurance Needs

Small businesses are essential to Connecticut’s economy, making up 99% of all companies in the state.¹ These small businesses employ over 735,000 people.² And we’re proud to serve so many of them, helping protect your businesses and your employees with business insurance in CT that you can trust.

We can help walk you through the coverages you need if you’re looking for the right small business insurance. CT is our home, too, and we’re honored to protect the small businesses that make it so great. To learn more, get business insurance quotes from us today.

Types of Small Business Insurance for CT Businesses

Professional Liability Insurance in CT

Professional liability insurance is also known as errors and omissions insurance (E&O insurance). It can help protect your business if you make mistakes in your products or services. Specifically, it helps cover claims of:

Negligence
Misrepresentation
Inaccurate advice

Why Do I Need Professional Liability Insurance

If your customers believe you made a mistake in your products or services, they can sue you, even if you know you haven’t made any errors. That’s why its best to have your business insured, this way you won’t have to pay out of pocket for claims filed against you.

Business Liability Insurance in CT

Business liability insurance, also known as general liability insurance helps protect your business from claims of:

Property damage
Personal injury
Advertising errors

You can buy this commercial general liability insurance coverage by itself or bundle it in a Business Owner’s Policy (BOP). Coverages we include in our general liability insurance for CT business are:

Reputational harm: This includes coverage for libel, slander, wrongful eviction and violation of privacy lawsuits.

Property damage: If your customer claims your business damaged their property, your policy can help pay for the repairs.

Bodily injury: For instance, if your customer slips and falls at your business, this coverage can help pay for their treatment expenses.

Medical costs: This helps you pay for your customer’s bodily injuries if they’re hurt at your business.

Product liability: This helps cover legal expenses if you’re sued because of flaws in your products or completed operations.

Does My Business Need General Liability Insurance?

Generally, it’s a good idea to get this coverage if you:

Meet with your customers in-person
Work on or at a customers property
Sell a product to customers

Certain customers may also require that you have this coverage before they work with you. They’ll typically ask to see a certificate of insurance.

Commercial Flood Insurance Connecticut

If a flood damages or destroys your property, inventory or equipment, commercial flood insurance can help. In most cases, business operations need this coverage if they’re located in areas with:

Heavy rainfall
Frequent snow melting
Hurricanes

We offer this coverage through the National Flood Insurance Program, which has a 30-day waiting period on new flood insurance policies. This means you’ll want to plan on getting coverage as soon as possible and before your business is most prone to flood damage. This will ensure that your business’ operations won’t get disrupted if there is a flood.

If you have questions, you can reach our specialists at 855-829-1683. They’ll go over flood insurance costs and how to add it to your existing policy.

Connecticut Workers’ Compensation Insurance

Most states require workers’ compensation insurance, which gives your employees benefits if they have a work-related injury or illness. These benefits can help pay for:

Medical attention
Rehabilitation
Missed wages
Medication

This means that workers’ comp can help protect your employees if they:

Slip on a patch of ice while walking into the office and need to go to the hospital.
Are in a car accident while driving to meet with a client.
Hurt their back while fixing broken machinery and need a few weeks off to heal.

Workers’ comp can also help pay your legal fees if your employee or their family sues you after a work-related accident.

Connecticut Commercial Auto Insurance

If your business owns or rents vehicles, you’ll need commercial auto insurance. You’ll also need it if your workers use their personal vehicles for their job. This protection is important because it helps cover your employees if they’re in an accident while driving for work.

If there’s an accident, this coverage can help reimburse you for:

Car rentals
Towing expenses
Employee medical bills
Property damages

For example, it can help pay expenses if your employee:

Runs a red light while rushing to a meeting and hits a pedestrian in the crosswalk.
Loses control of their vehicle in the snow during a delivery and damages someone’s private property.
Rear ends the car in front of them while driving a company vehicle to the job site.

Visit the Department of Motor Vehicle’s website for more information on Connecticut’s commercial auto insurance requirements.

What Types of Insurance Do I Need for My Business in Connecticut?

To learn what coverages you’ll need to get from insurance companies, visit the Connecticut Insurance Department website. They outline key coverages, like commercial vehicle and professional liability insurance.³

We’re an insurance company backed by over 200 years of experience with a team dedicated to helping propel small business owners forward.

Additional Connecticut Business Insurance Links

To learn more, get a quote for small business insurance in Connecticut today.

^1,2U.S. Small Business Administration (SBA), “2018 Small Business Profile: Connecticut”

³ State of Connecticut Insurance Department