Small business owner protected by insurance from The Hartford.

The Hartford Business Insurance

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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 choose The Hartford?

TechInsurance is proud to offer small business insurance quotes from The Hartford, one of our trusted partners.

The company offers small businesses a variety of insurance products in an easy and streamlined process, with knowledgeable insurance agents available to help at any point. Because The Hartford supplies quotes quickly, TechInsurance's free online application can retrieve these quotes for policies.

The Hartford provides several handy services that are available 24/7:

  • Receive important documents and statements via email
  • Send documents online with an easy upload feature
  • Get proof of insurance instantly through downloadable certificates of insurance
  • File a claim when you're ready
  • Track status and payments with real-time updates

What types of insurance policies does The Hartford provide?

Below are key insurance products offered by The Hartford. You can also explore all business insurance policies provided through TechInsurance.

Business owner’s policy icon

Business owner's policy

A business owner's policy bundles general liability coverage and commercial property insurance into one policy. It is a cost effective choice, often cheaper than buying these insurance policies separately.

Workers’ compensation insurance icon

Workers' compensation insurance

Workers' compensation insurance covers medical bills and other expenses related to work-related injuries. It also helps pay for lost wages if you or an employee are unable to work during recovery.

Most states require small businesses to purchase workers' comp as soon as you hire your first employee.

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General liability insurance

General liability insurance protects against the most common third-party lawsuits, such as bodily injuries, property damage, and advertising injuries (e.g., copyright infringement). It's often the first type of business insurance coverage that small businesses get.

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Commercial auto insurance

Commercial auto insurance covers the cost of accidents that involve company-owned cars, including medical bills, property damage, and lawsuits from other drivers. Every state, except for New Hampshire and Virginia, requires that businesses with company vehicles have commercial auto insurance.

If you use a personal, rented, or leased vehicle to complete work errands, then you should get hired and non-owned auto insurance (HNOA). This policy will offer you the protection you'll need, as personal auto insurance will likely not cover you if you're involved in an accident.

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Errors and omissions insurance

Businesses that offer a professional service or give advice to clients need errors and omissions insurance (E&O). This coverage can help protect against dissatisfied clients who file a lawsuit over a mistake, missed deadline, or another complaint related to the quality of your work.

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

Commercial umbrella insurance provides an extra layer of protection by offering additional coverage for:

Umbrella coverage boosts your liability limits in $1 million increments and is often needed in order to fulfill a contract that requires higher than standard policy limits.

Who does The Hartford serve?

The Hartford provides insurance products for a wide array of professions in every state except Alaska and Hawaii.

Top professions covered by The Hartford include:

How much does small business insurance cost?

IT professional working on a tablet.

The cost of small business insurance depends on the types of policies you purchase. Here are the average premium costs for some of the most popular policies:

Several factors influence the cost of your business insurance, including your policy limits, deductible, location and number of employees.

How do I get business insurance with TechInsurance?

TechInsurance is a trusted insurance expert for small businesses, including contractors and consultants, with extensive knowledge of the IT sector. We help business owners compare quotes from top-rated providers, buy policies, and manage coverage online.

By completing TechInsurance's easy online application today, you can compare free quotes for small business insurance policies from top-rated U.S. carriers, such as The Hartford. Our insurance agents are available to help answer any questions you may have.

Once you find the right policies for your small business, you can begin coverage in less than 24 hours and get a certificate of insurance for your small business.

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