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ETHISPHERE: World's Most Ethical Company**
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What Is Business Insurance?
Business insurance, also known as commercial insurance, helps protect business owners from unexpected losses.
There are many types of insurance options that can help protect the company you’ve worked hard to build. They can help protect your business from:
- Property damage
- Legal liability
- Employee-related risks
For the last 50 years, we’ve helped countless companies get the right coverages, protecting their businesses and keeping their employees safe. During that time, more than 18,000 of them have given us a 4.8 star claims rating.*
Get a business insurance quote today. In just a few minutes, you can find out how we can protect your business.
Choose the Best Types of Business Insurance
Many business owners start with a Business Owner’s Policy (BOP) because the three essential coverages it has protects businesses from common claims. A BOP includes:
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General liability insurance, also known as business liability insurance
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Commercial property insurance, also known as business property insurance
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Business income insurance, also known as business interruption insurance
What’s the Average Cost of Business Insurance?
Business insurance costs vary because every company has unique needs. You can use the table below to see the average cost business owners paid for coverage with The Hartford:1
Coverage | Average Annual Premium | Average Monthly Premium |
---|---|---|
Business Owner’s Policy (BOP) | $3,135 | $261.25 |
General Liability Insurance (GLI) | $1,057 | $88.08 |
Workers’ Compensation Insurance | $840 | $70 |
Popular Industries We Insure
Wondering if we cover your business? Search our list of business insurance by industry.
Popular Professions We Cover
The Hartford Business Insurance: Trusted Experience
Many insurance companies offer the same coverage. That’s why it’s important to find an insurer that truly has your back. We’re honored to be a trusted insurance company for businesses of all sizes.
Coverage You Can Trust
For more than 200 years, we've helped over 1 million businesses just like yours.
World’s Most Ethical Company
Ethisphere named us a World’s Most Ethical Company® 14 times.**
Whether you have questions about insurance options or need help with a claim, we’re here to help. Get a business insurance quote today.
More Answers to Frequently Asked Business Insurance Questions
Last Updated: July 14, 2023
1 Premium amounts presented are based on monthly premium paid by The Hartford’s Small Business customers between 1/1/21 and 12/31/21 for 12 month policies. Premium is derived from a number of factors specific to your business and may vary.
** "World's Most Ethical Companies" and "Ethisphere" names are registered trademarks of Ethisphere LLC.
Additional disclosures below.