The Hartford Small Business Insurance Review

The Hartford offers several different types of small business insurance, including the following.

General liability insurance

This is what many people think of when they hear “small business insurance.” General liability insurance protects you, your business, and its assets if someone sues for negligence, injury, property damage, or slander.

Workers’ compensation insurance

If you have employees, most states require you to carry workers’ compensation insurance to cover your employees in the event they have a work-related injury or illness.

Data breach insurance

Different insurers have different names for this type of coverage, but this protects your business against cyber attacks and data breaches. If you deal with sensitive customer information in the course of your business, this is a type of insurance to consider.

Commercial auto insurance

This isn’t just for professional drivers (although it certainly can be). Commercial auto insurance covers you and your employees when driving for business purposes.

Professional liability coverage

If you provide professional services to clients and are found to be negligent, professional liability insurance can protect you.

Business property insurance

This is essentially the business version of homeowners or renters insurance. Business property insurance protects real estate you own or lease, as well as any equipment and machinery contained within them.

Business income insurance

Let’s say that a fire happens and you can’t operate your business. Business property insurance would help replace the building and its content, but may not cover your lost income while you can’t work. That’s where business income insurance comes in.