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The right insurance for your small business

General liability insurance icon

General liability insurance

This policy covers the most common risks of running a small business, such as accidental customer injuries. It’s often required for client contracts and commercial leases.

BEST FOR
  • Slip-and-fall accidents
  • Damaged customer property
  • Libel or slander lawsuits
Business owner’s policy icon

Business owner's policy (BOP)

A BOP bundles property insurance and general liability insurance under one plan. It’s often the most cost-effective type of commercial insurance for a small business.

BEST FOR
  • Customer injuries
  • Damaged customer property
  • Damaged business property
Professional liability insurance icon

Professional liability insurance

This policy helps cover legal expenses if your business is sued for unsatisfactory work, such as a mistake or missed deadline. It’s also called errors and omissions insurance.

BEST FOR
  • Accusations of negligence
  • Mistakes and oversights
  • Project scope disputes
Commercial property insurance icon

Commercial property insurance

This policy covers the value of a business’s physical structure and its contents, such as inventory, equipment, and furniture. It protects against theft, fire, and other damages.

BEST FOR
  • Fire
  • Theft and vandalism
  • Windstorms
Workers’ compensation insurance icon

Workers’ compensation insurance

Workers’ compensation insurance is required in almost every state for businesses that have employees. It can cover medical costs for work-related injuries and illnesses.

BEST FOR
  • Employee medical expenses
  • Partial missed wages
  • Lawsuits over employee injuries
Cyber liability insurance icon

Cyber liability insurance

This policy helps small businesses survive data breaches and cyberattacks. It can pay for recovery expenses, including the cost of notifying customers affected by a breach.

BEST FOR
  • Data breach lawsuits
  • Customer notification expenses
  • Fraud monitoring costs

Looking for different coverage? See more policies.

What our customers are saying
"I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes."
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Software / internet design
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