The Hartford Business Insurance

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Small business owner protected by insurance from The Hartford.

The Hartford

Insureon is proud to offer small business insurance quotes from The Hartford, one of our trusted partners. Founded in 1810, The Hartford is one of the most reliable and well-rated insurance companies in the nation. The company is widely recognized for its service excellence, sustainability practices, trust and integrity.

The Hartford's logo: a deer crossing a stream.

AM Best rating: A+
Customer rating: 4.8/5 for business claims
Location: Hartford, CT
Specialty: Property and casualty insurance, group benefits, mutual funds

Why should I choose The Hartford?

The Hartford is a leading insurer and one of Insureon's best options for buying small business insurance. The company's expert agents, streamlined process, and wide variety of insurance products provide small businesses with the protection they need. The Hartford supplies quotes quickly, so Insureon's free online application can retrieve quotes for policies.

The Hartford features 24/7 access to a number of useful services, anytime and anywhere:

  • Go paperless to receive documents and statements via email
  • Send documents electronically with an easy upload feature
  • Get most certificates of insurance instantly
  • File a claim at your convenience
  • Track status and payments with real-time updates

What business insurance products does The Hartford sell?

These are the top insurance policies sold by The Hartford. You can also view all business insurance policies offered through Insureon.

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Business owner's policy

A business owner's policy (BOP) from The Hartford combines three types of coverage at an affordable price: commercial property insurance, general liability insurance, and business interruption insurance.

Workers’ compensation insurance icon

Workers' compensation insurance

Workers' compensation insurance covers costs if one of your employees suffers a work-related injury or occupational disease. It also helps pay for legal expenses if an employee blames their injury on workplace negligence.

Most states require workers' comp as soon as you hire your first employee.

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General liability insurance

A general liability policy provides financial protection against common accidents, such as a customer injury or property damage at your place of business. It also covers advertising injuries ranging from reputational harm to copyright infringement.

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Commercial auto insurance

Commercial auto insurance covers costs when a vehicle owned by a business is involved in an accident. Most states require this coverage for vehicles registered to a business.

Your personal auto insurance won't protect you when you're driving for work purposes, which is why business owners invest in this policy. Others choose hired and non-owned auto insurance (HNOA) for personal, rented, and leased vehicles that are driven for work.

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Errors and omissions insurance

Errors and omissions insurance (E&O) provides crucial protection for professionals who are experts in their field. This policy covers costs when you make a mistake in your work, fail to complete a project on time, or face an accusation of professional negligence.

You may sometimes see this policy referred to as professional liability insurance or malpractice insurance, depending on the profession.

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Commercial umbrella insurance

Umbrella insurance helps pay for the most expensive lawsuits by boosting the policy limits on other types of liability insurance. Once the limit is reached on your general liability, employer's liability, or commercial auto insurance, this policy kicks in to provide additional coverage.

Who does The Hartford serve?

The Hartford offers insurance protection for numerous industries in every state except Alaska and Hawaii. Top industries covered by The Hartford include:

How much does small business insurance cost?

Business woman calculating costs of insurance.

From our customer data, here's a quick look at median costs for small businesses:

Business owner's policy: $53 per month
General liability: $42 per month
Workers' comp: $47 per month
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Factors such as business income and number of employees affect your premium. Start a free application to see insurance costs for your business.

How do I get insurance for my business?

Insureon can help you find the right insurance for your small business. It's an easy three-step process:

  1. Fill out our free online application. We'll ask for basic information about your business, such as revenue and number of employees.
  2. Review quotes from our trusted carriers, such as The Hartford, and choose a policy.
  3. Pay for your policy online and download a certificate of insurance.

Most small business owners can buy a policy and get proof of insurance on the same day they apply for quotes. Note that you won't see quotes from all carriers, only those that match your risks.

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