Business Insurance

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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

Business property insurance helps protect your owned or rented building, tools and the equipment you use to operate.
Data breach insurance, also known as cyber insurance, helps cover liability expenses from technology-related risks such as a data breach or cyberattack. If you collect, store, send or receive customer information, it’s important to protect against cyber risks.
Commercial auto insurance helps cover the cost of an auto accident if you or your employee is at fault. If you or your employees drive a vehicle for business reasons, having the right commercial vehicle insurance is important.
This helps protect your business and its assets in the event of a lawsuit for things like negligence, bodily injury, property damage, libel and slander.
Professional liability insurance helps protect you and your company if you’re found negligent in the professional services you provided to a client, even if you didn’t make a mistake.
Most state laws require you to carry this insurance to help compensate employees for expenses associated with work-related injuries or illnesses like medical bills, rehabilitation and lost wages.
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:
  • General liability insurance, also known as business liability insurance
  • Commercial property insurance, also known as business property insurance
  • 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
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Note: Coverage is not available in all states.
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Popular Business Insurance Solutions to Meet Your Needs

This video explains why business insurance is important and shares tips on running a successful company.

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.

Read Business Insurance Claim Reviews (by product)


Workers' Compensation Insurance


General Liability Insurance

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The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. listed in the Legal Notice.
The Hartford Financial Services Group, Inc., (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, CT. For additional details, please read The Hartford’s Legal Notice.
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.