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Customize Your Business Insurance Quote
Starting a business takes a lot of work. That’s why having the best coverage for your business is so important. Business insurance coverages help protect your business from risks like theft, accidents and lawsuits.
To learn more about how The Hartford can support your company, get an insurance quote from us today.
Get Business Insurance Online
Any time, day or night, you can apply for online business insurance by getting insurance quotes from us. The form only takes about 10 minutes to complete, and based on your responses, we’ll send you a business insurance quote that is customized for your specific business.
Call Us for a Business Insurance Quote
We’re here to answer your questions about small business insurance and can help you get insurance quotes over the phone. To speak to one of our experienced small business representatives, call us at 855-431-1252 from 8 a.m. to 7 p.m. ET.
Get a Business Insurance Quote Through a Local Agent
Many small business owners work with local insurance agents to help them bundle a variety of policies. You can also ask your insurance agent to check The Hartford’s business insurance rates as you plan the right coverage for your business.
Business Insurance Quotes Tailored to Your Company
Part of your job as a business owner is to make sure you have the right insurance. If a customer accidentally gets hurt and sues your business, the right policy can provide you with liability coverage, help protect your business and reduce your out-of-pocket costs for medical expenses. The specific types of business insurance coverages you’ll need may include:
Commercial property insurance helps protect your company’s building, whether it’s owned or leased. This coverage also includes protection for your tools and equipment as well as inventory.
Business income insurance, also known as business interruption coverage, can help replace lost income if you have to shut down temporarily. This can happen if your company has damage from:
- Fire
- Theft
- Wind
General liability insurance helps protect your business from claims of:
- Property damage
- Bodily injuries
- Reputational harm, like libel or slander
- Advertising injuries
Business Owner’s Policy (BOP) bundles business property, general liability and business income coverage into one policy.
In addition to these basic coverages, you may also want to ask your insurance company to add:
Data breach insurance, which helps pay costs related to data breaches if your business suffers a cyber attack. This important type of business insurance for online businesses is also referred to as cyber insurance.
Workers’ compensation insurance, to help provide medical care, lost wages and other benefits to employees with a work-related injury or illness.
Professional liability insurance, also called errors and omissions insurance or E&O coverage, which helps cover costs if a mistake happens in the professional services given to a customer or client.
Commercial auto insurance, also known as business car insurance, to help protect your company’s cars and employees if they’re in an accident while driving for work.
What Does Business Insurance Cost?
Every small business has unique risks, so your business insurance cost may vary. On average, general liability insurance costs $805 annually or about $67 a month for coverage with The Hartford.1 Your insurance agent will take several factors into consideration to figure out your cost, including:
- Policy deductible amount
- Coverage details
- Type of business
- Years of experience
- Location
- Claims history
- Number of employees
Get Quotes for Business Insurance Fast
To learn more, get a business insurance quote online from us today. We can help answer your questions and help you get a certificate of insurance. This shows your potential clients that you have the right business insurance coverages before they decide to work with you.
Last Updated: November 17, 2023
1 Premium amounts presented are based on monthly premium paid by The Hartford's Small Business customers between 1/1/22 and 9/14/23 for 12-month policies. Premium is derived from a number of factors specific to your business and may vary.
Additional disclosures below.