🕷️ Crawler Inspector

URL Lookup

Direct Parameter Lookup

Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 183 (from laksa199)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa183.int.ahrefs:8124/' \
  -H 'Content-Type: text/plain' \
  -H 'X-ClickHouse-Database: crawler3' \
  -H 'Authorization: Basic YXBpOg==' \
  -d 'SELECT getAhrefsURLFromUnparsed(src_unparsed) AS found_url, ifNull(toUnixTimestamp(download_stamp), 0) AS crawl_time, ifNull(toUnixTimestamp(props_url_first_seen), 0) AS first_indexed_time, download_http_code AS http_code, src_unparsed AS src_unparsed, src_root_hash AS src_root_hash, history_drop_reason AS history_drop_reason, meta_title AS meta_title, meta_descriptions AS meta_descriptions, attrs_boilerpipe_text AS attrs_boilerpipe_text, attrs_markdown AS attrs_markdown, attrs_readable_markdown AS attrs_readable_markdown, meta_canonical AS meta_canonical, ml_categories_json AS ml_categories_json, ml_types_json AS ml_types_json, ml_intent_types_json AS ml_intent_types_json, meta_language AS meta_language, attrs_author AS attrs_author, ifNull(toUnixTimestamp(attrs_publish_time), 0) AS attrs_publish_time, ifNull(toUnixTimestamp(attrs_original_publish_time), 0) AS attrs_original_publish_time, ifNull(attrs_is_republished, 0) AS attrs_is_republished, ifNull(attrs_nr_words, 0) AS attrs_nr_words, ifNull(attrs_boilerpipe_nr_words, 0) AS attrs_boilerpipe_nr_words, ifNull(body_ext_links_number, 0) AS body_ext_links_number, ifNull(body_int_links_number, 0) AS body_int_links_number, ifNull(meta_nofollow, 0) AS meta_nofollow, ifNull(meta_noarchive, 0) AS meta_noarchive, ifNull(props_was_rendered, 0) AS props_was_rendered, ifNull(src_redirect, \'\') AS src_redirect, ifNull(download_time_msec, 0) AS download_time_msec, ifNull(download_ttfb_msec, 0) AS download_ttfb_msec, ifNull(download_size, 0) AS download_size FROM crawler3.page_info_local FINAL PREWHERE (src_root_hash, src_unparsed) IN ((getAhrefsRootHashFromUnparsed(getAhrefsUnparsedNoserviceFromURL(\'https://www.thehartford.com/business-insurance\')), getAhrefsUnparsedNoserviceFromURL(\'https://www.thehartford.com/business-insurance\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/www.thehartford.com\/business-insurance","crawl_time":1776916443,"first_indexed_time":1456578467,"http_code":200,"src_unparsed":"com,thehartford!www,\/business-insurance s443","src_root_hash":"5256101320521241183","history_drop_reason":null,"meta_title":"Business Insurance for Small Businesses and Companies","meta_descriptions":["Help protect your business with comprehensive business insurance solutions. We provide tailored coverage that offers peace of mind. ✓ Learn more and request a quote today!"],"attrs_boilerpipe_text":"The Hartford Insurance\n4.7\/5 Star Claims Experience*\n200\n+\nYears Proudly Serving Our Customers\n1.3MM\n+\nSmall Business Customers\n#1\nDigital Small Business Insurer by Keynova***\nGet a Quote for Business Insurance\nBusiness insurance, also known as\ncommercial insurance\n, helps protect business owners from unexpected losses. Whether you’re running a small startup or managing an established company, commercial business insurance plays a crucial role in safeguarding your assets and employees. It also provides essential protection against unexpected claims that could disrupt your operations.\nFor more than 40 years, we’ve helped countless companies get the right coverages, keeping their employees safe and protecting their businesses with insurance that has earned a 4.8 star claims rating from more than 18,000 satisfied customers.*\nExplore our business insurance coverage options using our quiz below, or\nget a quote\ntoday and find out how we can protect your business.\nRecommended Business Insurance Coverage for Small Businesses\nInsurance needs can vary based on factors like your industry, location, number of employees and more. Many business owners start with a\nBusiness Owner’s Policy (BOP)\nand then add additional coverage as needed. These are some of the most common types of small business insurance to consider based on how your business operates.\nA Business Owner’s Policy (BOP) can be the foundation of your small business insurance. It combines three essential coverages to help protect businesses from common claims. These coverages are general liability insurance, commercial property and \nbusiness income insurance\n.\nLooking for a small business insurance policy tailored to your needs? Our BOP can be bundled with additional types of coverages to help your business save money on small business insurance. In some cases, your BOP may be eligible for a discount of up to 10% when bundled with\nworkers’ compensation insurance\n.\nHow Small Businesses Can Think About Coverage\nNot every small business faces the same risks, so you’ll need to get coverage that meets your needs. You may want to consider:\nProfessional liability insurance\nif you provide a service or advice to clients\nCommercial auto insurance\nif you or an employee uses company-owned vehicles for work\nCyber insurance\nif you store sensitive data\nCommercial property insurance\nif you own or rent a physical space or use tools or equipment to run your small business\nIf you’re not sure what coverage you might need, answer these three simple questions in our quiz to find out.\nFind the Right Coverage for Your Business\nNot sure what coverages you need?\nTake this simple 3-question quiz to find out.\n1\n2\n3\nWhat industry are you in?\nType keywords that best describe your business. Select the closest match.\nIf you don't find your business, select \"Other\" or give us a call at\n866-256-1860\nNone of the above\nPlease select one or more options.\nWhere is your business located?\nWhat’s the Average Cost of a Business Insurance Policy?\nBusiness insurance costs\n vary, because every company has unique needs that are key to its success. Insurance companies consider numerous factors when determining your price, including your industry, location, number of employees, coverage needs and more. You can use the table below to see the average cost business owners paid for coverage with The Hartford:**\nCoverage\nAverage Annual Premium\nAverage Monthly Premium**\nBusiness Owner’s Policy (BOP)\n$1,687\n$141\nGeneral Liability Insurance (GLI)\n$810\n$68\nWorkers’ Compensation Insurance\n$1,032\n$86\nProfessional Liability Insurance (PLI)\n2\n$744\n$62\nBusiness Insurance From The Hartford: A Trusted Experience\nFor over 200 years, we’ve supported businesses of all sizes. With our decades of experience and knowledge, you can count on us to help you find the protection you need.\nBusiness Insurance by State\nBusiness insurance needs can vary by state. Learn how The Hartford can help protect your small business.\nWhat Does Business Insurance Cover?\nBusiness insurance helps protect business owners from unexpected losses and claims that could disrupt normal operations. Coverage can include general liability, workers’ compensation, professional liability, commercial property, commercial auto and cyber insurance.\nWhat Types of Business Insurance Do Small Businesses Often Need?\nCoverage depends on your business needs, but many business owners start with a\nBusiness Owner’s Policy (BOP)\nas it combines three essential coverages: general liability insurance, commercial property insurance and business income insurance. Additional coverage can be added based on your needs or industry requirements.\nHow Much Does Business Insurance Cost?\nOn average, The Hartford’s business customers pay about $141 per month, or $1,687 per year, in business insurance costs.** Keep in mind that your premium may vary because every company has unique needs. Business insurance costs often depend on different factors like your industry, location, claims history, number of employees and coverage needs.\nHow Can I Find the Right Business Insurance Coverage for My Business?\nYou can use The Hartford’s three-question quiz to explore coverage options that may fit your business, then get a quote to see your options.\nRead Business Claim Reviews (by product)\nWorkers' Compensation Insurance\n4.8\/5 Star Claims Experience*\n4.7\/5 Star Claims Experience*\nLast Updated: April 8, 2026\n*** Based on a 2025 study by Keynova.\n** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.\n2\nWhat you pay for professional liability insurance will vary by product, limits chosen and risk class or hazard group associated with your business.\nE\n“World’s Most Ethical Companies” and “Ethisphere” names and marks are registered trademarks of Ethisphere LLC.\nAdditional disclosures below.\nThe 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.\nThe 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.\nCertain 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 Insurance Group, Inc. listed in the \nLegal Notice\n.\nThe Hartford Insurance 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.\n* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.\nGet a Business Insurance Quote","attrs_markdown":"- [Find an Insurance Agent](https:\/\/www.thehartford.com\/find-an-agent)\n  - [Auto & Home](https:\/\/www.thehartford.com\/car-homeowners-insurance-agency-locator)\n  - [Small Business](https:\/\/www.thehartford.com\/small-business-agency-locator)\n  - [Midsize Business](https:\/\/www.thehartford.com\/midsize-business-agency-locator)\n- [Claims](https:\/\/www.thehartford.com\/claims \"Claims\")\n- [Contact Us](https:\/\/www.thehartford.com\/contact-the-hartford \"Contact Us\")\n- [Agents & Producers](https:\/\/www.thehartford.com\/agents-producers \"Agents & Producers\")\n- [My Account](https:\/\/www.thehartford.com\/account-access)\n  \n  Log Into The Hartford\n  \n  [Log In](https:\/\/account.thehartford.com\/customer\/login)\n  \n  [Register an Account](https:\/\/account.thehartford.com\/customer\/registration)\n  \n  **Express Services**\n  \n  No Login Required\n  \n  [Pay My Auto or Home Policy](https:\/\/service.thehartford.com\/service\/expresspay\/landing)\n  \n  [Download an Auto ID Card](https:\/\/service.thehartford.com\/delivery-options \"Download an Auto ID Card\")\n  \n  [Pay My Business Policy](https:\/\/business.thehartford.com\/expresspay)\n  \n  [Start a Claim](https:\/\/www.thehartford.com\/claims)\n  \n  For Disability & Paid Family Medical Leave Services in New York State:\n  \n  [Pay Bills and\/or Create Certificates](https:\/\/employer.thehartford.com\/express-services)\n  \n  [For Agents, Producers & Brokers](https:\/\/account.thehartford.com\/agent\/login)\n\nMENU\n\nACCOUNT\n\n[![The Hartford](https:\/\/assets.thehartford.com\/image\/upload\/q_auto\/logo.svg)](https:\/\/www.thehartford.com\/)\n\nCLOSE\n\nACCOUNT\n\n- [Auto](https:\/\/www.thehartford.com\/aarp\/car-insurance \"Auto Insurance\")\n  Main Menu\n  \n  Auto\n  \n  Auto Insurance Solutions\n  \n  [Car Insurance](https:\/\/www.thehartford.com\/aarp\/car-insurance)\n  \n  [Benefits for AARP Members](https:\/\/www.thehartford.com\/aarp\/car-insurance\/aarp-benefits-discounts)\n  \n  [Car Insurance Coverages](https:\/\/www.thehartford.com\/aarp\/car-insurance\/coverage)\n  \n  [Commercial Auto Insurance](https:\/\/www.thehartford.com\/commercial-auto-insurance)\n  \n  [Classic Car Insurance](https:\/\/www.thehartford.com\/aarp\/car-insurance\/classic-car)\n  \n  [RV Insurance](https:\/\/www.thehartford.com\/aarp\/rv-insurance)\n  \n  [All Vehicle Insurance](https:\/\/www.thehartford.com\/aarp\/vehicles)\n  \n  [Bundle Insurance](https:\/\/www.thehartford.com\/aarp\/bundle-insurance)\n  \n  I Want To …\n  \n  [Find an Auto Agent](https:\/\/www.thehartford.com\/car-homeowners-insurance-agency-locator)\n  \n  [Find a Repair Shop](https:\/\/www.thehartford.com\/car-insurance\/claims\/find-repair-shops)\n  \n  [Report an Auto Claim](https:\/\/www.thehartford.com\/car-insurance\/claims)\n  \n  [Contact The Hartford](https:\/\/www.thehartford.com\/contact-the-hartford)\n  \n  [![Senior driver pleased with AARP membership benefits and discounts from The Hartford](data:image\/gif;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAQAAAC1HAwCAAAAC0lEQVR42mP8\/x8AAwMCAO+ip1sAAAAASUVORK5CYII=)](https:\/\/www.thehartford.com\/business-insurance \"Senior driver pleased with AARP membership benefits and discounts from The Hartford\")\n  \n  Exclusive [AARP Membership Benefits](https:\/\/www.thehartford.com\/aarp\/car-insurance\/aarp-benefits-discounts).\n- [Home](https:\/\/www.thehartford.com\/aarp\/homeowners-insurance \"Homeowners Insurance\")\n  Main Menu\n  \n  Home\n  \n  Home Insurance Solutions\n  \n  [Homeowners Insurance](https:\/\/www.thehartford.com\/aarp\/homeowners-insurance)\n  \n  [Renters Insurance](https:\/\/www.thehartford.com\/aarp\/renters-insurance)\n  \n  [Condo Insurance](https:\/\/www.thehartford.com\/aarp\/condo-insurance)\n  \n  [Pet Insurance](https:\/\/www.thehartford.com\/aarp\/homeowners-insurance\/pet-insurance)\n  \n  [Flood Insurance](https:\/\/www.thehartford.com\/aarp\/flood-insurance)\n  \n  [Bundle Insurance](https:\/\/www.thehartford.com\/aarp\/bundle-insurance)\n  \n  I Want To …\n  \n  [Discover Discounts](https:\/\/www.thehartford.com\/aarp\/homeowners-insurance\/discounts)\n  \n  [Find a Home Agent](https:\/\/www.thehartford.com\/car-homeowners-insurance-agency-locator)\n  \n  [Report a Home Claim](https:\/\/www.thehartford.com\/homeowners-insurance\/claims)\n  \n  [Contact The Hartford](https:\/\/www.thehartford.com\/contact-the-hartford)\n  \n  [![Homeowners Insurance](data:image\/gif;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAQAAAC1HAwCAAAAC0lEQVR42mP8\/x8AAwMCAO+ip1sAAAAASUVORK5CYII=)](https:\/\/www.thehartford.com\/business-insurance \"Homeowners Insurance\")\n  \n  [Home Insurance Discounts](https:\/\/www.thehartford.com\/aarp\/homeowners-insurance\/discounts) designed for AARP members.\n- [Business](https:\/\/www.thehartford.com\/business-insurance \"Business Insurance\")\n  Main Menu\n  \n  Business\n  \n  Commercial Insurance Solutions\n  \n  [Small Business Insurance](https:\/\/www.thehartford.com\/business-insurance \"Business Insurance\")\n  \n  [Midsize and Large Business Insurance](https:\/\/www.thehartford.com\/midsize-large-business-insurance \"  - Large Business Insurance\")\n  \n  [Business Insurance by Industry](https:\/\/www.thehartford.com\/business-insurance\/industries \"Business Insurance by Industry\")\n  \n  [Business Insurance Types](https:\/\/www.thehartford.com\/business-coverages \"Business Insurance Types\")\n  \n  [Business Owner’s Policy](https:\/\/www.thehartford.com\/business-owners-policy \"Business Owner’s Policy\")\n  \n  [General Liability Insurance](https:\/\/www.thehartford.com\/general-liability-insurance \"General Liability Insurance\")\n  \n  [Professional Liability Insurance](https:\/\/www.thehartford.com\/professional-liability-insurance \"Professional Liability Insurance\")\n  \n  [Workers’ Compensation Insurance](https:\/\/www.thehartford.com\/workers-compensation \"Workers’ Compensation Insurance\")\n  \n  [Commercial Auto Insurance](https:\/\/www.thehartford.com\/commercial-auto-insurance \"Commercial Auto Insurance\")\n  \n  I Want To …\n  \n  [Find a Business Agent](https:\/\/www.thehartford.com\/small-business-agency-locator \"Find a Business Agent\")\n  \n  [Become an Agent](https:\/\/www.thehartford.com\/independent-agent \"Become an Agent\")\n  \n  [Report a Business Claim](https:\/\/www.thehartford.com\/claims \"Report a Business Claim\")\n  \n  [Contact The Hartford](https:\/\/www.thehartford.com\/contact-the-hartford \"Contact The Hartford\")\n  \n  [Read Insights & Articles](https:\/\/www.thehartford.com\/insights \"Read Insights & Articles\")\n  \n  [![Business Insurance](data:image\/gif;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAQAAAC1HAwCAAAAC0lEQVR42mP8\/x8AAwMCAO+ip1sAAAAASUVORK5CYII=)](https:\/\/www.thehartford.com\/business-insurance \"Business Insurance\")\n  \n  [Insurance solutions](https:\/\/www.thehartford.com\/business-insurance) to protect businesses from the unexpected.\n- [Employee Benefits](https:\/\/www.thehartford.com\/employee-benefits \"Employee Benefits\")\n  Main Menu\n  \n  Employee Benefits\n  \n  I Am an Employer\n  \n  [Benefits Resources for Employers](https:\/\/www.thehartford.com\/employee-benefits\/employers \"Benefits Resources for Employers\")\n  \n  [Voluntary Benefits](https:\/\/www.thehartford.com\/employee-benefits\/voluntary \"Voluntary Benefits\")\n  \n  [Absence, Leave & PFML](https:\/\/www.thehartford.com\/employee-benefits\/employers\/absence-management \"Absence, Leave & PFML\")\n  \n  [Customized Insurance for Industries](https:\/\/www.thehartford.com\/employee-benefits\/employers\/specialty-insurance \"Customized Insurance for Industries\")\n  \n  I Am an Employee\n  \n  [Employee Benefit Options](https:\/\/www.thehartford.com\/employee-benefits\/employees \"Employee Benefit Options\")\n  \n  [Benefits Beyond Insurance](https:\/\/www.thehartford.com\/employee-benefits\/beyond-insurance \"Benefits Beyond Insurance\")\n  \n  [Start or Track a Claim](https:\/\/www.thehartford.com\/employee-benefits\/claims \"Start or Track a Claim\")\n  \n  [PFML State Guide & Leave](https:\/\/www.thehartford.com\/paid-family-medical-leave \"PFML State Guide & Leave\")\n  \n  I Am an Agent\/Producer\n  \n  [Products & Plans](https:\/\/www.thehartford.com\/employee-benefits\/producers \"Products & Plans\")\n  \n  [HR Technology](https:\/\/www.thehartford.com\/employee-benefits\/producers\/hr-technology \"HR Technology\")\n  \n  [Log Into Producer View®](https:\/\/producerview.hartfordlife.com\/)\n  \n  [The Hartford’s Future of Benefits Study](https:\/\/www.thehartford.com\/employee-benefits\/future-of-benefits-study \"The Hartford’s Future of Benefits Study\")\n  \n  [The Hartford’s Future of Benefits Study resources](https:\/\/www.thehartford.com\/employee-benefits\/future-of-benefits-study\/resources \"The Hartford’s Future of Benefits Study resources\")\n  \n  [![Employee Benefits](data:image\/gif;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAQAAAC1HAwCAAAAC0lEQVR42mP8\/x8AAwMCAO+ip1sAAAAASUVORK5CYII=)](https:\/\/www.thehartford.com\/business-insurance \"Employee Benefits\")\n  \n  Learn about our [Future of Benefits Study](https:\/\/www.thehartford.com\/employee-benefits\/future-of-benefits-study) and how it impacts you.\n- [About](https:\/\/www.thehartford.com\/about-us \"About The Hartford\")\n  Main Menu\n  \n  About\n  \n  About Us\n  \n  [About The Hartford](https:\/\/www.thehartford.com\/about-us \"About The Hartford\")\n  \n  [Our Leadership](https:\/\/www.thehartford.com\/about-us\/leadership \"Our Leadership\")\n  \n  [Investor Relations](https:\/\/ir.thehartford.com\/overview\/default.aspx \"Investor Relations\")\n  \n  [Newsroom](https:\/\/newsroom.thehartford.com\/newsroom\/ \"Investor Relations\")\n  \n  [Sustainability](https:\/\/www.thehartford.com\/about-us\/sustainability \" Sustainability\")\n  \n  [Community Impact](https:\/\/www.thehartford.com\/about-us\/communities-giving \"Community Impact\")\n  \n  [Catastrophe Information Center](https:\/\/www.thehartford.com\/claims\/catastrophe-claims-operation \"Catastrophe Information Center\")\n  \n  I Want To …\n  \n  [Explore Careers](https:\/\/www.thehartford.com\/careers \"Explore Careers\")\n  \n  [Contact The Hartford](https:\/\/www.thehartford.com\/contact-the-hartford \"Explore Careers\")\n  \n  [Read Insights & Articles](https:\/\/www.thehartford.com\/insights \"Explore Careers\")\n  \n  [![Junior Fire Marshal Program](data:image\/gif;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAQAAAC1HAwCAAAAC0lEQVR42mP8\/x8AAwMCAO+ip1sAAAAASUVORK5CYII=)](https:\/\/www.thehartford.com\/business-insurance \"Junior Fire Marshal Program\")\n  \n  Turning kids into heroes – our [Junior Fire Marshal Program](https:\/\/www.thehartford.com\/about-us\/junior-fire-marshal).\n\n- [Find an Insurance Agent](https:\/\/www.thehartford.com\/find-an-agent)\n  - [Auto & Home](https:\/\/www.thehartford.com\/car-homeowners-insurance-agency-locator)\n  - [Small Business](https:\/\/www.thehartford.com\/small-business-agency-locator)\n  - [Midsize Business](https:\/\/www.thehartford.com\/midsize-business-agency-locator)\n- [Claims](https:\/\/www.thehartford.com\/claims \"Claims\")\n- [Contact Us](https:\/\/www.thehartford.com\/contact-the-hartford \"Contact Us\")\n- [Agents & Producers](https:\/\/www.thehartford.com\/agents-producers \"Agents & Producers\")\n- [My Account](https:\/\/www.thehartford.com\/account-access)\n  \n  Log Into The Hartford\n  \n  [Log In](https:\/\/account.thehartford.com\/customer\/login)\n  \n  [Register an Account](https:\/\/account.thehartford.com\/customer\/registration)\n  \n  **Express Services**\n  \n  No Login Required\n  \n  [Pay My Auto or Home Policy](https:\/\/service.thehartford.com\/service\/expresspay\/landing)\n  \n  [Download an Auto ID Card](https:\/\/service.thehartford.com\/delivery-options \"Download an Auto ID Card\")\n  \n  [Pay My Business Policy](https:\/\/business.thehartford.com\/expresspay)\n  \n  [Start a Claim](https:\/\/www.thehartford.com\/claims)\n  \n  For Disability & Paid Family Medical Leave Services in New York State:\n  \n  [Pay Bills and\/or Create Certificates](https:\/\/employer.thehartford.com\/express-services)\n  \n  [For Agents, Producers & Brokers](https:\/\/account.thehartford.com\/agent\/login)\n\n- [The Hartford Insurance](https:\/\/www.thehartford.com\/)\n# Business Insurance\n\nBusiness Insurance Coverage in Minutes\n\nGet personalized coverage in just a few clicks.\n\n[Quote Today](https:\/\/quotesmallbusiness.thehartford.com\/quote-and-buy\/quote-oqp?prcd=76210775&Tcode=TH040001 \"Quote Today\")\n\nOr call us at [855-487-0783](tel:855-487-0783)\n\n![woman sits in comfort knowing her business is protected with a proper business insurance policy from The Hartford](https:\/\/assets.thehartford.com\/image\/upload\/t_higcom_jumbomarquee\/q_auto,f_auto\/business_insurance_1.webp)\n\n4\\.7\/5 Star Claims Experience\\*\n\n([3181 reviews](https:\/\/www.thehartford.com\/business-insurance#reviews))\n\n200\\+\n\n**Years Proudly Serving Our Customers**\n\n1\\.3MM\\+\n\n**Small Business Customers**\n\n\\#1\n\n**Digital Small Business Insurer by Keynova\\*\\*\\***\n\n## Get a Quote for Business Insurance\nBusiness insurance, also known as [commercial insurance](https:\/\/www.thehartford.com\/commercial-insurance), helps protect business owners from unexpected losses. Whether you’re running a small startup or managing an established company, commercial business insurance plays a crucial role in safeguarding your assets and employees. It also provides essential protection against unexpected claims that could disrupt your operations.\n\nFor more than 40 years, we’ve helped countless companies get the right coverages, keeping their employees safe and protecting their businesses with insurance that has earned a 4.8 star claims rating from more than 18,000 satisfied customers.\\*\n\nExplore our business insurance coverage options using our quiz below, or [get a quote](https:\/\/quotesmallbusiness.thehartford.com\/quote-and-buy\/quote-oqp?prcd=76210775&Tcode=TH040001 \"get a quote\") today and find out how we can protect your business.\n\n## Recommended Business Insurance Coverage for Small Businesses\nInsurance needs can vary based on factors like your industry, location, number of employees and more. Many business owners start with a [Business Owner’s Policy (BOP)](https:\/\/www.thehartford.com\/business-owners-policy) and then add additional coverage as needed. These are some of the most common types of small business insurance to consider based on how your business operates.\n\n### [General Liability Insurance](https:\/\/www.thehartford.com\/general-liability-insurance \"General Liability Insurance\")\nGeneral liability coverage helps protect your business and its assets in the event of a lawsuit for things like negligence, bodily injury, property damage, libel and slander.\n\n**Who it’s for:** Businesses that work directly with customers or customers’ property, and any businesses who advertise.\n\n### [Workers’ Compensation Insurance](https:\/\/www.thehartford.com\/workers-compensation \" Workers’ Compensation Insurance\")\nMost 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.\n\n**Who it’s for:** Businesses with any part- or full-time employees.\n\n### [Professional Liability Insurance](https:\/\/www.thehartford.com\/professional-liability-insurance \"Professional Liability Insurance\")\nProfessional 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.\n\n**Who it’s for:** Businesses that provide professional services or advice to clients or customers.\n\n### [Commercial Property Insurance](https:\/\/www.thehartford.com\/commercial-property-insurance \" Commercial Property Insurance\")\nBusiness property insurance, also called commercial property insurance, helps protect your owned or rented building, tools and the equipment you use to operate your business.\n\n**Who it’s for:** Businesses with property or assets.\n\n### [Commercial Auto Insurance](https:\/\/www.thehartford.com\/commercial-auto-insurance \"Commercial Auto Insurance\")\nCommercial 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.\n\n**Who it’s for:** Businesses that use any company-owned, leased or personal vehicles for work.\n\n### [Cyber Insurance](https:\/\/www.thehartford.com\/cyber-insurance \"Cyber Insurance\")\nCyber insurance provides businesses with liability coverage and helps pay the costs to prepare for and respond to cyber threats, including data privacy, network security, extortion threats, cybercrime and other critical cyber risks.\n\n**Who it’s for:** Businesses that run a website or manage a network.\n\n[More Coverages](https:\/\/www.thehartford.com\/business-coverages)\n\nA Business Owner’s Policy (BOP) can be the foundation of your small business insurance. It combines three essential coverages to help protect businesses from common claims. These coverages are general liability insurance, commercial property and [business income insurance](https:\/\/www.thehartford.com\/business-income-insurance).\n\nLooking for a small business insurance policy tailored to your needs? Our BOP can be bundled with additional types of coverages to help your business save money on small business insurance. In some cases, your BOP may be eligible for a discount of up to 10% when bundled with [workers’ compensation insurance](https:\/\/www.thehartford.com\/workers-compensation).\n\n### How Small Businesses Can Think About Coverage\nNot every small business faces the same risks, so you’ll need to get coverage that meets your needs. You may want to consider:\n\n- **Professional liability insurance** if you provide a service or advice to clients\n- **Commercial auto insurance** if you or an employee uses company-owned vehicles for work\n- **Cyber insurance** if you store sensitive data\n- **Commercial property insurance** if you own or rent a physical space or use tools or equipment to run your small business\n\nIf you’re not sure what coverage you might need, answer these three simple questions in our quiz to find out.\n\nLooking for Coverage? [Get a Quote Now](https:\/\/quotesmallbusiness.thehartford.com\/quote-and-buy\/quote-oqp \"Get a Quote Now\")\n\n## Find the Right Coverage for Your Business\nNot sure what coverages you need?\n\nTake this simple 3-question quiz to find out.\n\n1 2 3\n\n![Select your industry](https:\/\/assets.thehartford.com\/image\/upload\/q_auto\/icon_business_color.svg)\n\nWhat industry are you in?\n\nType keywords that best describe your business. Select the closest match.\n\nNext\n\nIf you don't find your business, select \"Other\" or give us a call at [866-256-1860](tel:866-256-1860)\n\nMy Business... Please select all that apply. [Details]()\n\n![Icon Service Unselected](https:\/\/assets.thehartford.com\/image\/upload\/Icon_Service_Unselected.svg) Provides a service or advice to clients\n\n![Icon Vehicle Unselected](https:\/\/assets.thehartford.com\/image\/upload\/Icon_Vehicle_Unselected.svg) Requires a vehicle to be driven for work\n\n![Icon Sensitive Data Unselected](https:\/\/assets.thehartford.com\/image\/upload\/Icon_SensitiveData_Unselected.svg)  Stores sensitive data   (credit cards, PII, PHI)\n\n![Icon Employee Unselected](https:\/\/assets.thehartford.com\/image\/upload\/Icon_Employee_Unselected.svg) Has employees   (excluding myself)\n\n![Icon Property Unselected](https:\/\/assets.thehartford.com\/image\/upload\/Icon_Property_Unselected.svg)  Has property or equipment   (own or lease)\n***\nNone of the above\n\nPlease select one or more options.\n\nNext\n\nBack\n\nYou made it to the last question\\!\n\n![Enter your Zip Code](https:\/\/assets.thehartford.com\/image\/upload\/Illustration_Slide3_Map.svg)\n\nWhere is your business located?\n\nNext\n\nBack\n\n## What’s the Average Cost of a Business Insurance Policy?\n[Business insurance costs](https:\/\/www.thehartford.com\/business-insurance\/how-much-business-insurance-cost) vary, because every company has unique needs that are key to its success. Insurance companies consider numerous factors when determining your price, including your industry, location, number of employees, coverage needs and more. You can use the table below to see the average cost business owners paid for coverage with The Hartford:\\*\\*\n\n| Coverage | Average Annual Premium | Average Monthly Premium\\*\\* |\n|---|---|---|\n| **Business Owner’s Policy (BOP)** | \\$1,687 | \\$141 |\n| **General Liability Insurance (GLI)** | \\$810 | \\$68 |\n| **Workers’ Compensation Insurance** | \\$1,032 | \\$86 |\n| **Professional Liability Insurance (PLI)2** | \\$744 | \\$62 |\n\n## Popular Professions We Cover\n[Business Consultants](https:\/\/www.thehartford.com\/business-insurance\/business-consultant), [Hair Stylists](https:\/\/www.thehartford.com\/business-insurance\/hair-salon), [IT and Tech Services](https:\/\/www.thehartford.com\/business-insurance\/technology-insurance), [Medical Providers](https:\/\/www.thehartford.com\/business-insurance\/medical-office), [Pet Groomers](https:\/\/www.thehartford.com\/business-insurance\/pet-groomer), [Photographers](https:\/\/www.thehartford.com\/business-insurance\/photography), [Software and Web Developers](https:\/\/www.thehartford.com\/business-insurance\/web-developer-insurance), [Tax Preparers](https:\/\/www.thehartford.com\/business-insurance\/tax-preparer), [Videographers](https:\/\/www.thehartford.com\/business-insurance\/videographer-insurance) and [more](https:\/\/www.thehartford.com\/business-insurance\/industries).\n\n[![Hartford business insurance](https:\/\/assets.thehartford.com\/image\/upload\/t_higcom_story\/q_auto,f_auto\/hartford_business_insurance.jpg)](https:\/\/www.youtube.com\/embed\/np_hs9-PQ6c)\n\n## Learn More About Insurance for Business\nWatch this video for more information about business insurance coverage options.\n\n## Business Insurance From The Hartford: A Trusted Experience\nFor over 200 years, we’ve supported businesses of all sizes. With our decades of experience and knowledge, you can count on us to help you find the protection you need.\n\n### Confidence Backed by Experience\nWe’re proud to serve over 1 million small business owners who trust us to protect their livelihoods.\n\n### A World's Most Ethical Companies® Honoree\nEthisphere recognized us as one of the World’s Most Ethical Companies® 17 times.E\n\nWhether you have [questions about small business insurance](https:\/\/www.thehartford.com\/small-business-insurance\/faq) options or need help with a claim, we’re here for you. Get a business insurance [quote](https:\/\/quotesmallbusiness.thehartford.com\/quote-and-buy\/quote-oqp?prcd=76210775&Tcode=TH040001 \"quote\") today.\n\n## Business Insurance by State\n**Business insurance needs can vary by state. Learn how The Hartford can help protect your small business.**\n\n- [California](https:\/\/www.thehartford.com\/business-insurance\/california)\n- [Florida](https:\/\/www.thehartford.com\/business-insurance\/florida)\n- [New York](https:\/\/www.thehartford.com\/business-insurance\/new-york)\n- [Pennsylvania](https:\/\/www.thehartford.com\/business-insurance\/pennsylvania)\n- [Texas](https:\/\/www.thehartford.com\/business-insurance\/texas)\n\n## Frequently Asked Questions About Business Insurance\n[What Does Business Insurance Cover?](https:\/\/www.thehartford.com\/business-insurance#collapse-435da2ce-febe-4eeb-b686-7ae2c73fe9bb-1)\n\nBusiness insurance helps protect business owners from unexpected losses and claims that could disrupt normal operations. Coverage can include general liability, workers’ compensation, professional liability, commercial property, commercial auto and cyber insurance.\n\n[What Types of Business Insurance Do Small Businesses Often Need?](https:\/\/www.thehartford.com\/business-insurance#collapse-435da2ce-febe-4eeb-b686-7ae2c73fe9bb-2)\n\nCoverage depends on your business needs, but many business owners start with a [Business Owner’s Policy (BOP)](https:\/\/www.thehartford.com\/business-owners-policy) as it combines three essential coverages: general liability insurance, commercial property insurance and business income insurance. Additional coverage can be added based on your needs or industry requirements.\n\n[How Much Does Business Insurance Cost?](https:\/\/www.thehartford.com\/business-insurance#collapse-435da2ce-febe-4eeb-b686-7ae2c73fe9bb-3)\n\nOn average, The Hartford’s business customers pay about \\$141 per month, or \\$1,687 per year, in business insurance costs.\\*\\* Keep in mind that your premium may vary because every company has unique needs. Business insurance costs often depend on different factors like your industry, location, claims history, number of employees and coverage needs.\n\n[How Can I Find the Right Business Insurance Coverage for My Business?](https:\/\/www.thehartford.com\/business-insurance#collapse-435da2ce-febe-4eeb-b686-7ae2c73fe9bb-4)\n\nYou can use The Hartford’s three-question quiz to explore coverage options that may fit your business, then get a quote to see your options.\n\n## Customer Reviews From Business Owners Like You\n![quote 1](https:\/\/assets.thehartford.com\/image\/upload\/q_auto,f_auto\/hig_com_image_bi_sbi_wc_reviews_carousel_quote_1.png)\n\n“\\[They are\\] always supportive and helpful. Knowledgeable and resourceful.”   \n   \n Elisa from California\n\n![review 1](https:\/\/assets.thehartford.com\/image\/upload\/higcom_image_4_stars_with_no_background.png)\n\n![quote 1](https:\/\/assets.thehartford.com\/image\/upload\/q_auto,f_auto\/hig_com_image_bi_sbi_wc_reviews_carousel_quote_1.png)\n\n“Excellent customer service from start to finish.”   \n   \n Stacy from North Carolina\n\n![review 1](https:\/\/assets.thehartford.com\/image\/upload\/higcom_image_5_stars_with_no_background.png)\n\n![quote 1](https:\/\/assets.thehartford.com\/image\/upload\/q_auto,f_auto\/hig_com_image_bi_sbi_wc_reviews_carousel_quote_1.png)\n\n“The adjuster explained the process and even went into explaining benefits of the insurance I wasn't aware of.”   \n   \n Joseph from Texas\n\n![review 1](https:\/\/assets.thehartford.com\/image\/upload\/higcom_image_5_stars_with_no_background.png)\n\n![quote 1](https:\/\/assets.thehartford.com\/image\/upload\/q_auto,f_auto\/hig_com_image_bi_sbi_wc_reviews_carousel_quote_1.png)\n\n“Very easy to deal with and submit the claim. Communications were very good.”   \n   \n Lawrence from Pennsylvania\n\n![review 1](https:\/\/assets.thehartford.com\/image\/upload\/higcom_image_4_stars_with_no_background.png)\n\n![quote 1](https:\/\/assets.thehartford.com\/image\/upload\/q_auto,f_auto\/hig_com_image_bi_sbi_wc_reviews_carousel_quote_1.png)\n\n“Our claims consultant … really made \\[the\\] process easy in what could have been a very bad time.”   \n   \n David from Massachusetts\n\n![review 1](https:\/\/assets.thehartford.com\/image\/upload\/higcom_image_5_stars_with_no_background.png)\n\n![quote 1](https:\/\/assets.thehartford.com\/image\/upload\/q_auto,f_auto\/hig_com_image_bi_sbi_wc_reviews_carousel_quote_1.png)\n\n“\\[It was\\] easy to reach our representative. She guided me every step of the way.”   \n   \n Sandy from Nevada\n\n![review 1](https:\/\/assets.thehartford.com\/image\/upload\/higcom_image_5_stars_with_no_background.png)\n\n![quote 1](https:\/\/assets.thehartford.com\/image\/upload\/q_auto,f_auto\/hig_com_image_bi_sbi_wc_reviews_carousel_quote_1.png)\n\n“\\[They are\\] always supportive and helpful. Knowledgeable and resourceful.”   \n   \n Elisa from California\n\n![review 1](https:\/\/assets.thehartford.com\/image\/upload\/higcom_image_4_stars_with_no_background.png)\n\n![quote 1](https:\/\/assets.thehartford.com\/image\/upload\/q_auto,f_auto\/hig_com_image_bi_sbi_wc_reviews_carousel_quote_1.png)\n\n“Excellent customer service from start to finish.”   \n   \n Stacy from North Carolina\n\n![review 1](https:\/\/assets.thehartford.com\/image\/upload\/higcom_image_5_stars_with_no_background.png)\n\n![quote 1](https:\/\/assets.thehartford.com\/image\/upload\/q_auto,f_auto\/hig_com_image_bi_sbi_wc_reviews_carousel_quote_1.png)\n\n“The adjuster explained the process and even went into explaining benefits of the insurance I wasn't aware of.”   \n   \n Joseph from Texas\n\n![review 1](https:\/\/assets.thehartford.com\/image\/upload\/higcom_image_5_stars_with_no_background.png)\n\n![quote 1](https:\/\/assets.thehartford.com\/image\/upload\/q_auto,f_auto\/hig_com_image_bi_sbi_wc_reviews_carousel_quote_1.png)\n\n“Very easy to deal with and submit the claim. Communications were very good.”   \n   \n Lawrence from Pennsylvania\n\n![review 1](https:\/\/assets.thehartford.com\/image\/upload\/higcom_image_4_stars_with_no_background.png)\n\n## Related Articles\n[![Certificate of Insurance (COI) \\| The Hartford](https:\/\/assets.thehartford.com\/image\/upload\/q_auto,f_auto\/certificate_of_insurance.webp)](https:\/\/www.thehartford.com\/business-insurance\/certificate-of-insurance-coi \"Certificate of Insurance (COI) | The Hartford\")\n\n[Certificate of Insurance (COI) \\| The Hartford](https:\/\/www.thehartford.com\/business-insurance\/certificate-of-insurance-coi)\n\n[![When Is Liability Insurance Needed?](https:\/\/assets.thehartford.com\/image\/upload\/q_auto,f_auto\/higcom_image_biz_ind_flower_shop_sc_story_quote_box.jpg)](https:\/\/www.thehartford.com\/business-insurance\/top-10-reasons-you-need-business-insurance \"Why Do Businesses Need Business Insurance?\")\n\n[Why Do Businesses Need Business Insurance?](https:\/\/www.thehartford.com\/business-insurance\/top-10-reasons-you-need-business-insurance)\n\n[![Business Insurance FAQs](https:\/\/assets.thehartford.com\/image\/upload\/q_auto,f_auto\/higcom_image_retail_mm_tech_store_man_laptop_marquee_885_new.jpg)](https:\/\/www.thehartford.com\/business-insurance\/faqs \"Business Insurance FAQs\")\n\n[Business Insurance FAQs \\| The Hartford](https:\/\/www.thehartford.com\/business-insurance\/faqs)\n\n### Read Business Claim Reviews (by product)\n#### Workers' Compensation Insurance\n4\\.8\/5 Star Claims Experience\\*\n\n([1797 reviews](https:\/\/www.thehartford.com\/workers-compensation\/reviews))\n#### General Liability Insurance\n4\\.7\/5 Star Claims Experience\\*\n\n([457 reviews](https:\/\/www.thehartford.com\/general-liability-insurance\/reviews))\n\nLast Updated: April 8, 2026\n\n\\*\\*\\* Based on a 2025 study by Keynova.\n\n\\*\\* Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.\n\n2 What you pay for professional liability insurance will vary by product, limits chosen and risk class or hazard group associated with your business.\n\n[E](https:\/\/worldsmostethicalcompanies.com\/honorees\/) “World’s Most Ethical Companies” and “Ethisphere” names and marks are registered trademarks of Ethisphere LLC.\n\nAdditional disclosures below.\n\nProducts\n\n- [Auto](https:\/\/www.thehartford.com\/aarp\/car-insurance)\n- [Home](https:\/\/www.thehartford.com\/aarp\/homeowners-insurance)\n- [Business](https:\/\/www.thehartford.com\/business-insurance)\n- [Employee Benefits](https:\/\/www.thehartford.com\/employee-benefits)\n- [Mutual Funds](https:\/\/www.hartfordfunds.com\/ \"Mutual Funds Products\")\n\nCompany\n\n- [About Us](https:\/\/www.thehartford.com\/about-us)\n- [Careers](https:\/\/www.thehartford.com\/careers)\n- [Agents & Producers](https:\/\/www.thehartford.com\/agents-producers)\n- [Newsroom](https:\/\/newsroom.thehartford.com\/newsroom\/ \"Company - Newsroom\")\n- [Investor Relations](https:\/\/ir.thehartford.com\/investor-relations\/ \"Company - Investor Relations\")\n- [Mobile App](https:\/\/www.thehartford.com\/mobile-tools)\n\nConnect\n\n- [Contact Us](https:\/\/www.thehartford.com\/contact-the-hartford)\n- [Report a Claim](https:\/\/www.thehartford.com\/claims)\n- [Find an Agent](https:\/\/www.thehartford.com\/find-an-agent)\n- [Small Business Playbook](https:\/\/www.thehartford.com\/business-insurance\/strategy)\n- [Small Biz Ahead](https:\/\/sba.thehartford.com\/ \"Connect With Small Biz Ahead\")\n- [Extra Mile](https:\/\/extramile.thehartford.com\/ \"Connect With Extra Mile\")\n\n- [Instagram](https:\/\/www.instagram.com\/thehartford\/ \"Instagram\")\n- [Facebook](https:\/\/www.facebook.com\/TheHartford \"Facebook\")\n- [LinkedIn](https:\/\/www.linkedin.com\/company\/the-hartford \"LinkedIn\")\n- [YouTube](https:\/\/www.youtube.com\/user\/thehartford?sub_confirmation=1 \"YouTube\")\n\n- [Legal Notice](https:\/\/www.thehartford.com\/legal-notice \"Legal Notice\")\n- [Accessibility Statement](https:\/\/www.thehartford.com\/accessibility-statement \"Accessibility Statement\")\n- [Producer Compensation](https:\/\/www.thehartford.com\/producer-compensation \"Producer Compensation\")\n- [EEO](https:\/\/www.thehartford.com\/eeo-statement \"EEO\")\n- [Privacy Policy](https:\/\/www.thehartford.com\/online-privacy-policy \"Privacy Policy\")\n- [Your California Privacy Choices](https:\/\/www.thehartford.com\/data-privacy-opt-out-form \"Your California Privacy Choices\")\n\n© 2026 The Hartford\n\nThe 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.\n\nThe 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.\n\nCertain 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 Insurance Group, Inc. listed in the [Legal Notice](https:\/\/www.thehartford.com\/legal-notice).\n\nThe Hartford Insurance 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.\n\n\\* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.\n\n[Get a Business Insurance Quote](https:\/\/quotesmallbusiness.thehartford.com\/quote-and-buy\/quote-oqp?prcd=76210775&Tcode=TH040001 \"Get a Business Insurance Quote\")","attrs_readable_markdown":"- [The Hartford Insurance](https:\/\/www.thehartford.com\/)\n\n![woman sits in comfort knowing her business is protected with a proper business insurance policy from The Hartford](https:\/\/assets.thehartford.com\/image\/upload\/t_higcom_jumbomarquee\/q_auto,f_auto\/business_insurance_1.webp)\n\n4\\.7\/5 Star Claims Experience\\*\n\n200\\+\n\n**Years Proudly Serving Our Customers**\n\n1\\.3MM\\+\n\n**Small Business Customers**\n\n\\#1\n\n**Digital Small Business Insurer by Keynova\\*\\*\\***\n\n## Get a Quote for Business Insurance\nBusiness insurance, also known as [commercial insurance](https:\/\/www.thehartford.com\/commercial-insurance), helps protect business owners from unexpected losses. Whether you’re running a small startup or managing an established company, commercial business insurance plays a crucial role in safeguarding your assets and employees. It also provides essential protection against unexpected claims that could disrupt your operations.\n\nFor more than 40 years, we’ve helped countless companies get the right coverages, keeping their employees safe and protecting their businesses with insurance that has earned a 4.8 star claims rating from more than 18,000 satisfied customers.\\*\n\nExplore our business insurance coverage options using our quiz below, or [get a quote](https:\/\/quotesmallbusiness.thehartford.com\/quote-and-buy\/quote-oqp?prcd=76210775&Tcode=TH040001 \"get a quote\") today and find out how we can protect your business.\n\n## Recommended Business Insurance Coverage for Small Businesses\nInsurance needs can vary based on factors like your industry, location, number of employees and more. Many business owners start with a [Business Owner’s Policy (BOP)](https:\/\/www.thehartford.com\/business-owners-policy) and then add additional coverage as needed. These are some of the most common types of small business insurance to consider based on how your business operates.\n\nA Business Owner’s Policy (BOP) can be the foundation of your small business insurance. It combines three essential coverages to help protect businesses from common claims. These coverages are general liability insurance, commercial property and [business income insurance](https:\/\/www.thehartford.com\/business-income-insurance).\n\nLooking for a small business insurance policy tailored to your needs? Our BOP can be bundled with additional types of coverages to help your business save money on small business insurance. In some cases, your BOP may be eligible for a discount of up to 10% when bundled with [workers’ compensation insurance](https:\/\/www.thehartford.com\/workers-compensation).\n\n### How Small Businesses Can Think About Coverage\nNot every small business faces the same risks, so you’ll need to get coverage that meets your needs. You may want to consider:\n\n- **Professional liability insurance** if you provide a service or advice to clients\n- **Commercial auto insurance** if you or an employee uses company-owned vehicles for work\n- **Cyber insurance** if you store sensitive data\n- **Commercial property insurance** if you own or rent a physical space or use tools or equipment to run your small business\n\nIf you’re not sure what coverage you might need, answer these three simple questions in our quiz to find out.\n\n## Find the Right Coverage for Your Business\nNot sure what coverages you need?\n\nTake this simple 3-question quiz to find out.\n\n1 2 3\n\n![Select your industry](https:\/\/assets.thehartford.com\/image\/upload\/q_auto\/icon_business_color.svg)\n\nWhat industry are you in?\n\nType keywords that best describe your business. Select the closest match.\n\nIf you don't find your business, select \"Other\" or give us a call at [866-256-1860](tel:866-256-1860)\n\n***\nNone of the above\n\nPlease select one or more options.\n\n![Enter your Zip Code](https:\/\/assets.thehartford.com\/image\/upload\/Illustration_Slide3_Map.svg)\n\nWhere is your business located?\n\n## What’s the Average Cost of a Business Insurance Policy?\n[Business insurance costs](https:\/\/www.thehartford.com\/business-insurance\/how-much-business-insurance-cost) vary, because every company has unique needs that are key to its success. Insurance companies consider numerous factors when determining your price, including your industry, location, number of employees, coverage needs and more. You can use the table below to see the average cost business owners paid for coverage with The Hartford:\\*\\*\n\n| Coverage | Average Annual Premium | Average Monthly Premium\\*\\* |\n|---|---|---|\n| **Business Owner’s Policy (BOP)** | \\$1,687 | \\$141 |\n| **General Liability Insurance (GLI)** | \\$810 | \\$68 |\n| **Workers’ Compensation Insurance** | \\$1,032 | \\$86 |\n| **Professional Liability Insurance (PLI)2** | \\$744 | \\$62 |\n\n## Business Insurance From The Hartford: A Trusted Experience\nFor over 200 years, we’ve supported businesses of all sizes. With our decades of experience and knowledge, you can count on us to help you find the protection you need.\n\n## Business Insurance by State\n**Business insurance needs can vary by state. Learn how The Hartford can help protect your small business.**\n\n[What Does Business Insurance Cover?](https:\/\/www.thehartford.com\/business-insurance#collapse-435da2ce-febe-4eeb-b686-7ae2c73fe9bb-1)\n\nBusiness insurance helps protect business owners from unexpected losses and claims that could disrupt normal operations. Coverage can include general liability, workers’ compensation, professional liability, commercial property, commercial auto and cyber insurance.\n\n[What Types of Business Insurance Do Small Businesses Often Need?](https:\/\/www.thehartford.com\/business-insurance#collapse-435da2ce-febe-4eeb-b686-7ae2c73fe9bb-2)\n\nCoverage depends on your business needs, but many business owners start with a [Business Owner’s Policy (BOP)](https:\/\/www.thehartford.com\/business-owners-policy) as it combines three essential coverages: general liability insurance, commercial property insurance and business income insurance. Additional coverage can be added based on your needs or industry requirements.\n\n[How Much Does Business Insurance Cost?](https:\/\/www.thehartford.com\/business-insurance#collapse-435da2ce-febe-4eeb-b686-7ae2c73fe9bb-3)\n\nOn average, The Hartford’s business customers pay about \\$141 per month, or \\$1,687 per year, in business insurance costs.\\*\\* Keep in mind that your premium may vary because every company has unique needs. Business insurance costs often depend on different factors like your industry, location, claims history, number of employees and coverage needs.\n\n[How Can I Find the Right Business Insurance Coverage for My Business?](https:\/\/www.thehartford.com\/business-insurance#collapse-435da2ce-febe-4eeb-b686-7ae2c73fe9bb-4)\n\nYou can use The Hartford’s three-question quiz to explore coverage options that may fit your business, then get a quote to see your options.\n\n### Read Business Claim Reviews (by product)\n#### Workers' Compensation Insurance\n4\\.8\/5 Star Claims Experience\\*\n\n4\\.7\/5 Star Claims Experience\\*\n\nLast Updated: April 8, 2026\n\n\\*\\*\\* Based on a 2025 study by Keynova.\n\n\\*\\* Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.\n\n2 What you pay for professional liability insurance will vary by product, limits chosen and risk class or hazard group associated with your business.\n\n[E](https:\/\/worldsmostethicalcompanies.com\/honorees\/) “World’s Most Ethical Companies” and “Ethisphere” names and marks are registered trademarks of Ethisphere LLC.\n\nAdditional disclosures below.\n\nThe 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 Insurance Group, Inc. listed in the [Legal Notice](https:\/\/www.thehartford.com\/legal-notice). The Hartford Insurance 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.\n\n[Get a Business Insurance Quote](https:\/\/quotesmallbusiness.thehartford.com\/quote-and-buy\/quote-oqp?prcd=76210775&Tcode=TH040001 \"Get a Business Insurance Quote\")","meta_canonical":null,"ml_categories_json":"{\"\/Finance\":872,\"\/Finance\/Insurance\":871,\"\/Finance\/Insurance\/Other\":821,\"\/Business_and_Industrial\":305,\"\/Business_and_Industrial\/Small_Business\":172,\"\/Business_and_Industrial\/Small_Business\/Business_Formation\":144}","ml_types_json":"{\"\/Article\":470,\"\/Article\/Product_or_Brand_Review\":215}","ml_intent_types_json":"{\"Commercial\":829,\"Informational\":431,\"Transactional\":179}","meta_language":"en","attrs_author":null,"attrs_publish_time":0,"attrs_original_publish_time":1456578467,"attrs_is_republished":0,"attrs_nr_words":"2444","attrs_boilerpipe_nr_words":"1211","body_ext_links_number":8,"body_int_links_number":106,"meta_nofollow":0,"meta_noarchive":0,"props_was_rendered":1,"src_redirect":"","download_time_msec":16,"download_ttfb_msec":14,"download_size":27084}

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Business Insurance for Small Businesses and Companies

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Help protect your business with comprehensive business insurance solutions. We provide tailored coverage that offers peace of mind. ✓ Learn more and request a quote today!

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The Hartford Insurance 4.7/5 Star Claims Experience* 200 + Years Proudly Serving Our Customers 1.3MM + Small Business Customers #1 Digital Small Business Insurer by Keynova*** Get a Quote for Business Insurance Business insurance, also known as commercial insurance , helps protect business owners from unexpected losses. Whether you’re running a small startup or managing an established company, commercial business insurance plays a crucial role in safeguarding your assets and employees. It also provides essential protection against unexpected claims that could disrupt your operations. For more than 40 years, we’ve helped countless companies get the right coverages, keeping their employees safe and protecting their businesses with insurance that has earned a 4.8 star claims rating from more than 18,000 satisfied customers.* Explore our business insurance coverage options using our quiz below, or get a quote today and find out how we can protect your business. Recommended Business Insurance Coverage for Small Businesses Insurance needs can vary based on factors like your industry, location, number of employees and more. Many business owners start with a Business Owner’s Policy (BOP) and then add additional coverage as needed. These are some of the most common types of small business insurance to consider based on how your business operates. A Business Owner’s Policy (BOP) can be the foundation of your small business insurance. It combines three essential coverages to help protect businesses from common claims. These coverages are general liability insurance, commercial property and business income insurance . Looking for a small business insurance policy tailored to your needs? Our BOP can be bundled with additional types of coverages to help your business save money on small business insurance. In some cases, your BOP may be eligible for a discount of up to 10% when bundled with workers’ compensation insurance . How Small Businesses Can Think About Coverage Not every small business faces the same risks, so you’ll need to get coverage that meets your needs. You may want to consider: Professional liability insurance if you provide a service or advice to clients Commercial auto insurance if you or an employee uses company-owned vehicles for work Cyber insurance if you store sensitive data Commercial property insurance if you own or rent a physical space or use tools or equipment to run your small business If you’re not sure what coverage you might need, answer these three simple questions in our quiz to find out. Find the Right Coverage for Your Business Not sure what coverages you need? Take this simple 3-question quiz to find out. 1 2 3 What industry are you in? Type keywords that best describe your business. Select the closest match. If you don't find your business, select "Other" or give us a call at 866-256-1860 None of the above Please select one or more options. Where is your business located? What’s the Average Cost of a Business Insurance Policy? Business insurance costs vary, because every company has unique needs that are key to its success. Insurance companies consider numerous factors when determining your price, including your industry, location, number of employees, coverage needs and more. You can use the table below to see the average cost business owners paid for coverage with The Hartford:** Coverage Average Annual Premium Average Monthly Premium** Business Owner’s Policy (BOP) $1,687 $141 General Liability Insurance (GLI) $810 $68 Workers’ Compensation Insurance $1,032 $86 Professional Liability Insurance (PLI) 2 $744 $62 Business Insurance From The Hartford: A Trusted Experience For over 200 years, we’ve supported businesses of all sizes. With our decades of experience and knowledge, you can count on us to help you find the protection you need. Business Insurance by State Business insurance needs can vary by state. Learn how The Hartford can help protect your small business. What Does Business Insurance Cover? Business insurance helps protect business owners from unexpected losses and claims that could disrupt normal operations. Coverage can include general liability, workers’ compensation, professional liability, commercial property, commercial auto and cyber insurance. What Types of Business Insurance Do Small Businesses Often Need? Coverage depends on your business needs, but many business owners start with a Business Owner’s Policy (BOP) as it combines three essential coverages: general liability insurance, commercial property insurance and business income insurance. Additional coverage can be added based on your needs or industry requirements. How Much Does Business Insurance Cost? On average, The Hartford’s business customers pay about $141 per month, or $1,687 per year, in business insurance costs.** Keep in mind that your premium may vary because every company has unique needs. Business insurance costs often depend on different factors like your industry, location, claims history, number of employees and coverage needs. How Can I Find the Right Business Insurance Coverage for My Business? You can use The Hartford’s three-question quiz to explore coverage options that may fit your business, then get a quote to see your options. Read Business Claim Reviews (by product) Workers' Compensation Insurance 4.8/5 Star Claims Experience* 4.7/5 Star Claims Experience* Last Updated: April 8, 2026 *** Based on a 2025 study by Keynova. ** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses. 2 What you pay for professional liability insurance will vary by product, limits chosen and risk class or hazard group associated with your business. E “World’s Most Ethical Companies” and “Ethisphere” names and marks are registered trademarks of Ethisphere LLC. Additional disclosures below. 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 Insurance Group, Inc. listed in the Legal Notice . The Hartford Insurance 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. Get a Business Insurance Quote

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[The Hartford Insurance](https://www.thehartford.com/) # Business Insurance Business Insurance Coverage in Minutes Get personalized coverage in just a few clicks. [Quote Today](https://quotesmallbusiness.thehartford.com/quote-and-buy/quote-oqp?prcd=76210775&Tcode=TH040001 "Quote Today") Or call us at [855-487-0783](tel:855-487-0783) ![woman sits in comfort knowing her business is protected with a proper business insurance policy from The Hartford](https://assets.thehartford.com/image/upload/t_higcom_jumbomarquee/q_auto,f_auto/business_insurance_1.webp) 4\.7/5 Star Claims Experience\* ([3181 reviews](https://www.thehartford.com/business-insurance#reviews)) 200\+ **Years Proudly Serving Our Customers** 1\.3MM\+ **Small Business Customers** \#1 **Digital Small Business Insurer by Keynova\*\*\*** ## Get a Quote for Business Insurance Business insurance, also known as [commercial insurance](https://www.thehartford.com/commercial-insurance), helps protect business owners from unexpected losses. Whether you’re running a small startup or managing an established company, commercial business insurance plays a crucial role in safeguarding your assets and employees. It also provides essential protection against unexpected claims that could disrupt your operations. For more than 40 years, we’ve helped countless companies get the right coverages, keeping their employees safe and protecting their businesses with insurance that has earned a 4.8 star claims rating from more than 18,000 satisfied customers.\* Explore our business insurance coverage options using our quiz below, or [get a quote](https://quotesmallbusiness.thehartford.com/quote-and-buy/quote-oqp?prcd=76210775&Tcode=TH040001 "get a quote") today and find out how we can protect your business. ## Recommended Business Insurance Coverage for Small Businesses Insurance needs can vary based on factors like your industry, location, number of employees and more. Many business owners start with a [Business Owner’s Policy (BOP)](https://www.thehartford.com/business-owners-policy) and then add additional coverage as needed. These are some of the most common types of small business insurance to consider based on how your business operates. ### [General Liability Insurance](https://www.thehartford.com/general-liability-insurance "General Liability Insurance") General liability coverage helps protect your business and its assets in the event of a lawsuit for things like negligence, bodily injury, property damage, libel and slander. **Who it’s for:** Businesses that work directly with customers or customers’ property, and any businesses who advertise. ### [Workers’ Compensation Insurance](https://www.thehartford.com/workers-compensation " Workers’ Compensation Insurance") 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. **Who it’s for:** Businesses with any part- or full-time employees. ### [Professional Liability Insurance](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance") 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. **Who it’s for:** Businesses that provide professional services or advice to clients or customers. ### [Commercial Property Insurance](https://www.thehartford.com/commercial-property-insurance " Commercial Property Insurance") Business property insurance, also called commercial property insurance, helps protect your owned or rented building, tools and the equipment you use to operate your business. **Who it’s for:** Businesses with property or assets. ### [Commercial Auto Insurance](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance") 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. **Who it’s for:** Businesses that use any company-owned, leased or personal vehicles for work. ### [Cyber Insurance](https://www.thehartford.com/cyber-insurance "Cyber Insurance") Cyber insurance provides businesses with liability coverage and helps pay the costs to prepare for and respond to cyber threats, including data privacy, network security, extortion threats, cybercrime and other critical cyber risks. **Who it’s for:** Businesses that run a website or manage a network. [More Coverages](https://www.thehartford.com/business-coverages) A Business Owner’s Policy (BOP) can be the foundation of your small business insurance. It combines three essential coverages to help protect businesses from common claims. These coverages are general liability insurance, commercial property and [business income insurance](https://www.thehartford.com/business-income-insurance). Looking for a small business insurance policy tailored to your needs? Our BOP can be bundled with additional types of coverages to help your business save money on small business insurance. In some cases, your BOP may be eligible for a discount of up to 10% when bundled with [workers’ compensation insurance](https://www.thehartford.com/workers-compensation). ### How Small Businesses Can Think About Coverage Not every small business faces the same risks, so you’ll need to get coverage that meets your needs. You may want to consider: - **Professional liability insurance** if you provide a service or advice to clients - **Commercial auto insurance** if you or an employee uses company-owned vehicles for work - **Cyber insurance** if you store sensitive data - **Commercial property insurance** if you own or rent a physical space or use tools or equipment to run your small business If you’re not sure what coverage you might need, answer these three simple questions in our quiz to find out. Looking for Coverage? [Get a Quote Now](https://quotesmallbusiness.thehartford.com/quote-and-buy/quote-oqp "Get a Quote Now") ## Find the Right Coverage for Your Business Not sure what coverages you need? Take this simple 3-question quiz to find out. 1 2 3 ![Select your industry](https://assets.thehartford.com/image/upload/q_auto/icon_business_color.svg) What industry are you in? Type keywords that best describe your business. Select the closest match. Next If you don't find your business, select "Other" or give us a call at [866-256-1860](tel:866-256-1860) My Business... Please select all that apply. [Details]() ![Icon Service Unselected](https://assets.thehartford.com/image/upload/Icon_Service_Unselected.svg) Provides a service or advice to clients ![Icon Vehicle Unselected](https://assets.thehartford.com/image/upload/Icon_Vehicle_Unselected.svg) Requires a vehicle to be driven for work ![Icon Sensitive Data Unselected](https://assets.thehartford.com/image/upload/Icon_SensitiveData_Unselected.svg) Stores sensitive data (credit cards, PII, PHI) ![Icon Employee Unselected](https://assets.thehartford.com/image/upload/Icon_Employee_Unselected.svg) Has employees (excluding myself) ![Icon Property Unselected](https://assets.thehartford.com/image/upload/Icon_Property_Unselected.svg) Has property or equipment (own or lease) *** None of the above Please select one or more options. Next Back You made it to the last question\! ![Enter your Zip Code](https://assets.thehartford.com/image/upload/Illustration_Slide3_Map.svg) Where is your business located? Next Back ## What’s the Average Cost of a Business Insurance Policy? [Business insurance costs](https://www.thehartford.com/business-insurance/how-much-business-insurance-cost) vary, because every company has unique needs that are key to its success. Insurance companies consider numerous factors when determining your price, including your industry, location, number of employees, coverage needs and more. You can use the table below to see the average cost business owners paid for coverage with The Hartford:\*\* | Coverage | Average Annual Premium | Average Monthly Premium\*\* | |---|---|---| | **Business Owner’s Policy (BOP)** | \$1,687 | \$141 | | **General Liability Insurance (GLI)** | \$810 | \$68 | | **Workers’ Compensation Insurance** | \$1,032 | \$86 | | **Professional Liability Insurance (PLI)2** | \$744 | \$62 | ## Popular Professions We Cover [Business Consultants](https://www.thehartford.com/business-insurance/business-consultant), [Hair Stylists](https://www.thehartford.com/business-insurance/hair-salon), [IT and Tech Services](https://www.thehartford.com/business-insurance/technology-insurance), [Medical Providers](https://www.thehartford.com/business-insurance/medical-office), [Pet Groomers](https://www.thehartford.com/business-insurance/pet-groomer), [Photographers](https://www.thehartford.com/business-insurance/photography), [Software and Web Developers](https://www.thehartford.com/business-insurance/web-developer-insurance), [Tax Preparers](https://www.thehartford.com/business-insurance/tax-preparer), [Videographers](https://www.thehartford.com/business-insurance/videographer-insurance) and [more](https://www.thehartford.com/business-insurance/industries). [![Hartford business insurance](https://assets.thehartford.com/image/upload/t_higcom_story/q_auto,f_auto/hartford_business_insurance.jpg)](https://www.youtube.com/embed/np_hs9-PQ6c) ## Learn More About Insurance for Business Watch this video for more information about business insurance coverage options. ## Business Insurance From The Hartford: A Trusted Experience For over 200 years, we’ve supported businesses of all sizes. With our decades of experience and knowledge, you can count on us to help you find the protection you need. ### Confidence Backed by Experience We’re proud to serve over 1 million small business owners who trust us to protect their livelihoods. ### A World's Most Ethical Companies® Honoree Ethisphere recognized us as one of the World’s Most Ethical Companies® 17 times.E Whether you have [questions about small business insurance](https://www.thehartford.com/small-business-insurance/faq) options or need help with a claim, we’re here for you. Get a business insurance [quote](https://quotesmallbusiness.thehartford.com/quote-and-buy/quote-oqp?prcd=76210775&Tcode=TH040001 "quote") today. ## Business Insurance by State **Business insurance needs can vary by state. Learn how The Hartford can help protect your small business.** - [California](https://www.thehartford.com/business-insurance/california) - [Florida](https://www.thehartford.com/business-insurance/florida) - [New York](https://www.thehartford.com/business-insurance/new-york) - [Pennsylvania](https://www.thehartford.com/business-insurance/pennsylvania) - [Texas](https://www.thehartford.com/business-insurance/texas) ## Frequently Asked Questions About Business Insurance [What Does Business Insurance Cover?](https://www.thehartford.com/business-insurance#collapse-435da2ce-febe-4eeb-b686-7ae2c73fe9bb-1) Business insurance helps protect business owners from unexpected losses and claims that could disrupt normal operations. Coverage can include general liability, workers’ compensation, professional liability, commercial property, commercial auto and cyber insurance. [What Types of Business Insurance Do Small Businesses Often Need?](https://www.thehartford.com/business-insurance#collapse-435da2ce-febe-4eeb-b686-7ae2c73fe9bb-2) Coverage depends on your business needs, but many business owners start with a [Business Owner’s Policy (BOP)](https://www.thehartford.com/business-owners-policy) as it combines three essential coverages: general liability insurance, commercial property insurance and business income insurance. Additional coverage can be added based on your needs or industry requirements. [How Much Does Business Insurance Cost?](https://www.thehartford.com/business-insurance#collapse-435da2ce-febe-4eeb-b686-7ae2c73fe9bb-3) On average, The Hartford’s business customers pay about \$141 per month, or \$1,687 per year, in business insurance costs.\*\* Keep in mind that your premium may vary because every company has unique needs. Business insurance costs often depend on different factors like your industry, location, claims history, number of employees and coverage needs. [How Can I Find the Right Business Insurance Coverage for My Business?](https://www.thehartford.com/business-insurance#collapse-435da2ce-febe-4eeb-b686-7ae2c73fe9bb-4) You can use The Hartford’s three-question quiz to explore coverage options that may fit your business, then get a quote to see your options. ## Customer Reviews From Business Owners Like You ![quote 1](https://assets.thehartford.com/image/upload/q_auto,f_auto/hig_com_image_bi_sbi_wc_reviews_carousel_quote_1.png) “\[They are\] always supportive and helpful. Knowledgeable and resourceful.” Elisa from California ![review 1](https://assets.thehartford.com/image/upload/higcom_image_4_stars_with_no_background.png) ![quote 1](https://assets.thehartford.com/image/upload/q_auto,f_auto/hig_com_image_bi_sbi_wc_reviews_carousel_quote_1.png) “Excellent customer service from start to finish.” Stacy from North Carolina ![review 1](https://assets.thehartford.com/image/upload/higcom_image_5_stars_with_no_background.png) ![quote 1](https://assets.thehartford.com/image/upload/q_auto,f_auto/hig_com_image_bi_sbi_wc_reviews_carousel_quote_1.png) “The adjuster explained the process and even went into explaining benefits of the insurance I wasn't aware of.” Joseph from Texas ![review 1](https://assets.thehartford.com/image/upload/higcom_image_5_stars_with_no_background.png) ![quote 1](https://assets.thehartford.com/image/upload/q_auto,f_auto/hig_com_image_bi_sbi_wc_reviews_carousel_quote_1.png) “Very easy to deal with and submit the claim. Communications were very good.” Lawrence from Pennsylvania ![review 1](https://assets.thehartford.com/image/upload/higcom_image_4_stars_with_no_background.png) ![quote 1](https://assets.thehartford.com/image/upload/q_auto,f_auto/hig_com_image_bi_sbi_wc_reviews_carousel_quote_1.png) “Our claims consultant … really made \[the\] process easy in what could have been a very bad time.” David from Massachusetts ![review 1](https://assets.thehartford.com/image/upload/higcom_image_5_stars_with_no_background.png) ![quote 1](https://assets.thehartford.com/image/upload/q_auto,f_auto/hig_com_image_bi_sbi_wc_reviews_carousel_quote_1.png) “\[It was\] easy to reach our representative. She guided me every step of the way.” Sandy from Nevada ![review 1](https://assets.thehartford.com/image/upload/higcom_image_5_stars_with_no_background.png) ![quote 1](https://assets.thehartford.com/image/upload/q_auto,f_auto/hig_com_image_bi_sbi_wc_reviews_carousel_quote_1.png) “\[They are\] always supportive and helpful. Knowledgeable and resourceful.” Elisa from California ![review 1](https://assets.thehartford.com/image/upload/higcom_image_4_stars_with_no_background.png) ![quote 1](https://assets.thehartford.com/image/upload/q_auto,f_auto/hig_com_image_bi_sbi_wc_reviews_carousel_quote_1.png) “Excellent customer service from start to finish.” Stacy from North Carolina ![review 1](https://assets.thehartford.com/image/upload/higcom_image_5_stars_with_no_background.png) ![quote 1](https://assets.thehartford.com/image/upload/q_auto,f_auto/hig_com_image_bi_sbi_wc_reviews_carousel_quote_1.png) “The adjuster explained the process and even went into explaining benefits of the insurance I wasn't aware of.” Joseph from Texas ![review 1](https://assets.thehartford.com/image/upload/higcom_image_5_stars_with_no_background.png) ![quote 1](https://assets.thehartford.com/image/upload/q_auto,f_auto/hig_com_image_bi_sbi_wc_reviews_carousel_quote_1.png) “Very easy to deal with and submit the claim. Communications were very good.” Lawrence from Pennsylvania ![review 1](https://assets.thehartford.com/image/upload/higcom_image_4_stars_with_no_background.png) ## Related Articles [![Certificate of Insurance (COI) \| The Hartford](https://assets.thehartford.com/image/upload/q_auto,f_auto/certificate_of_insurance.webp)](https://www.thehartford.com/business-insurance/certificate-of-insurance-coi "Certificate of Insurance (COI) | The Hartford") [Certificate of Insurance (COI) \| The Hartford](https://www.thehartford.com/business-insurance/certificate-of-insurance-coi) [![When Is Liability Insurance Needed?](https://assets.thehartford.com/image/upload/q_auto,f_auto/higcom_image_biz_ind_flower_shop_sc_story_quote_box.jpg)](https://www.thehartford.com/business-insurance/top-10-reasons-you-need-business-insurance "Why Do Businesses Need Business Insurance?") [Why Do Businesses Need Business Insurance?](https://www.thehartford.com/business-insurance/top-10-reasons-you-need-business-insurance) [![Business Insurance FAQs](https://assets.thehartford.com/image/upload/q_auto,f_auto/higcom_image_retail_mm_tech_store_man_laptop_marquee_885_new.jpg)](https://www.thehartford.com/business-insurance/faqs "Business Insurance FAQs") [Business Insurance FAQs \| The Hartford](https://www.thehartford.com/business-insurance/faqs) ### Read Business Claim Reviews (by product) #### Workers' Compensation Insurance 4\.8/5 Star Claims Experience\* ([1797 reviews](https://www.thehartford.com/workers-compensation/reviews)) #### General Liability Insurance 4\.7/5 Star Claims Experience\* ([457 reviews](https://www.thehartford.com/general-liability-insurance/reviews)) Last Updated: April 8, 2026 \*\*\* Based on a 2025 study by Keynova. \*\* Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses. 2 What you pay for professional liability insurance will vary by product, limits chosen and risk class or hazard group associated with your business. [E](https://worldsmostethicalcompanies.com/honorees/) “World’s Most Ethical Companies” and “Ethisphere” names and marks are registered trademarks of Ethisphere LLC. Additional disclosures below. Products - [Auto](https://www.thehartford.com/aarp/car-insurance) - [Home](https://www.thehartford.com/aarp/homeowners-insurance) - [Business](https://www.thehartford.com/business-insurance) - [Employee Benefits](https://www.thehartford.com/employee-benefits) - [Mutual Funds](https://www.hartfordfunds.com/ "Mutual Funds Products") Company - [About Us](https://www.thehartford.com/about-us) - [Careers](https://www.thehartford.com/careers) - [Agents & Producers](https://www.thehartford.com/agents-producers) - [Newsroom](https://newsroom.thehartford.com/newsroom/ "Company - Newsroom") - [Investor Relations](https://ir.thehartford.com/investor-relations/ "Company - Investor Relations") - [Mobile App](https://www.thehartford.com/mobile-tools) Connect - [Contact Us](https://www.thehartford.com/contact-the-hartford) - [Report a Claim](https://www.thehartford.com/claims) - [Find an Agent](https://www.thehartford.com/find-an-agent) - [Small Business Playbook](https://www.thehartford.com/business-insurance/strategy) - [Small Biz Ahead](https://sba.thehartford.com/ "Connect With Small Biz Ahead") - [Extra Mile](https://extramile.thehartford.com/ "Connect With Extra Mile") - [Instagram](https://www.instagram.com/thehartford/ "Instagram") - [Facebook](https://www.facebook.com/TheHartford "Facebook") - [LinkedIn](https://www.linkedin.com/company/the-hartford "LinkedIn") - [YouTube](https://www.youtube.com/user/thehartford?sub_confirmation=1 "YouTube") - [Legal Notice](https://www.thehartford.com/legal-notice "Legal Notice") - [Accessibility Statement](https://www.thehartford.com/accessibility-statement "Accessibility Statement") - [Producer Compensation](https://www.thehartford.com/producer-compensation "Producer Compensation") - [EEO](https://www.thehartford.com/eeo-statement "EEO") - [Privacy Policy](https://www.thehartford.com/online-privacy-policy "Privacy Policy") - [Your California Privacy Choices](https://www.thehartford.com/data-privacy-opt-out-form "Your California Privacy Choices") © 2026 The Hartford 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 Insurance Group, Inc. listed in the [Legal Notice](https://www.thehartford.com/legal-notice). The Hartford Insurance 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. [Get a Business Insurance Quote](https://quotesmallbusiness.thehartford.com/quote-and-buy/quote-oqp?prcd=76210775&Tcode=TH040001 "Get a Business Insurance Quote")

Readable Markdown

- [The Hartford Insurance](https://www.thehartford.com/) ![woman sits in comfort knowing her business is protected with a proper business insurance policy from The Hartford](https://assets.thehartford.com/image/upload/t_higcom_jumbomarquee/q_auto,f_auto/business_insurance_1.webp) 4\.7/5 Star Claims Experience\* 200\+ **Years Proudly Serving Our Customers** 1\.3MM\+ **Small Business Customers** \#1 **Digital Small Business Insurer by Keynova\*\*\*** ## Get a Quote for Business Insurance Business insurance, also known as [commercial insurance](https://www.thehartford.com/commercial-insurance), helps protect business owners from unexpected losses. Whether you’re running a small startup or managing an established company, commercial business insurance plays a crucial role in safeguarding your assets and employees. It also provides essential protection against unexpected claims that could disrupt your operations. For more than 40 years, we’ve helped countless companies get the right coverages, keeping their employees safe and protecting their businesses with insurance that has earned a 4.8 star claims rating from more than 18,000 satisfied customers.\* Explore our business insurance coverage options using our quiz below, or [get a quote](https://quotesmallbusiness.thehartford.com/quote-and-buy/quote-oqp?prcd=76210775&Tcode=TH040001 "get a quote") today and find out how we can protect your business. ## Recommended Business Insurance Coverage for Small Businesses Insurance needs can vary based on factors like your industry, location, number of employees and more. Many business owners start with a [Business Owner’s Policy (BOP)](https://www.thehartford.com/business-owners-policy) and then add additional coverage as needed. These are some of the most common types of small business insurance to consider based on how your business operates. A Business Owner’s Policy (BOP) can be the foundation of your small business insurance. It combines three essential coverages to help protect businesses from common claims. These coverages are general liability insurance, commercial property and [business income insurance](https://www.thehartford.com/business-income-insurance). Looking for a small business insurance policy tailored to your needs? Our BOP can be bundled with additional types of coverages to help your business save money on small business insurance. In some cases, your BOP may be eligible for a discount of up to 10% when bundled with [workers’ compensation insurance](https://www.thehartford.com/workers-compensation). ### How Small Businesses Can Think About Coverage Not every small business faces the same risks, so you’ll need to get coverage that meets your needs. You may want to consider: - **Professional liability insurance** if you provide a service or advice to clients - **Commercial auto insurance** if you or an employee uses company-owned vehicles for work - **Cyber insurance** if you store sensitive data - **Commercial property insurance** if you own or rent a physical space or use tools or equipment to run your small business If you’re not sure what coverage you might need, answer these three simple questions in our quiz to find out. ## Find the Right Coverage for Your Business Not sure what coverages you need? Take this simple 3-question quiz to find out. 1 2 3 ![Select your industry](https://assets.thehartford.com/image/upload/q_auto/icon_business_color.svg) What industry are you in? Type keywords that best describe your business. Select the closest match. If you don't find your business, select "Other" or give us a call at [866-256-1860](tel:866-256-1860) *** None of the above Please select one or more options. ![Enter your Zip Code](https://assets.thehartford.com/image/upload/Illustration_Slide3_Map.svg) Where is your business located? ## What’s the Average Cost of a Business Insurance Policy? [Business insurance costs](https://www.thehartford.com/business-insurance/how-much-business-insurance-cost) vary, because every company has unique needs that are key to its success. Insurance companies consider numerous factors when determining your price, including your industry, location, number of employees, coverage needs and more. You can use the table below to see the average cost business owners paid for coverage with The Hartford:\*\* | Coverage | Average Annual Premium | Average Monthly Premium\*\* | |---|---|---| | **Business Owner’s Policy (BOP)** | \$1,687 | \$141 | | **General Liability Insurance (GLI)** | \$810 | \$68 | | **Workers’ Compensation Insurance** | \$1,032 | \$86 | | **Professional Liability Insurance (PLI)2** | \$744 | \$62 | ## Business Insurance From The Hartford: A Trusted Experience For over 200 years, we’ve supported businesses of all sizes. With our decades of experience and knowledge, you can count on us to help you find the protection you need. ## Business Insurance by State **Business insurance needs can vary by state. Learn how The Hartford can help protect your small business.** [What Does Business Insurance Cover?](https://www.thehartford.com/business-insurance#collapse-435da2ce-febe-4eeb-b686-7ae2c73fe9bb-1) Business insurance helps protect business owners from unexpected losses and claims that could disrupt normal operations. Coverage can include general liability, workers’ compensation, professional liability, commercial property, commercial auto and cyber insurance. [What Types of Business Insurance Do Small Businesses Often Need?](https://www.thehartford.com/business-insurance#collapse-435da2ce-febe-4eeb-b686-7ae2c73fe9bb-2) Coverage depends on your business needs, but many business owners start with a [Business Owner’s Policy (BOP)](https://www.thehartford.com/business-owners-policy) as it combines three essential coverages: general liability insurance, commercial property insurance and business income insurance. Additional coverage can be added based on your needs or industry requirements. [How Much Does Business Insurance Cost?](https://www.thehartford.com/business-insurance#collapse-435da2ce-febe-4eeb-b686-7ae2c73fe9bb-3) On average, The Hartford’s business customers pay about \$141 per month, or \$1,687 per year, in business insurance costs.\*\* Keep in mind that your premium may vary because every company has unique needs. Business insurance costs often depend on different factors like your industry, location, claims history, number of employees and coverage needs. [How Can I Find the Right Business Insurance Coverage for My Business?](https://www.thehartford.com/business-insurance#collapse-435da2ce-febe-4eeb-b686-7ae2c73fe9bb-4) You can use The Hartford’s three-question quiz to explore coverage options that may fit your business, then get a quote to see your options. ### Read Business Claim Reviews (by product) #### Workers' Compensation Insurance 4\.8/5 Star Claims Experience\* 4\.7/5 Star Claims Experience\* Last Updated: April 8, 2026 \*\*\* Based on a 2025 study by Keynova. \*\* Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses. 2 What you pay for professional liability insurance will vary by product, limits chosen and risk class or hazard group associated with your business. [E](https://worldsmostethicalcompanies.com/honorees/) “World’s Most Ethical Companies” and “Ethisphere” names and marks are registered trademarks of Ethisphere LLC. Additional disclosures below. 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 Insurance Group, Inc. listed in the [Legal Notice](https://www.thehartford.com/legal-notice). The Hartford Insurance 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. [Get a Business Insurance Quote](https://quotesmallbusiness.thehartford.com/quote-and-buy/quote-oqp?prcd=76210775&Tcode=TH040001 "Get a Business Insurance Quote")

ML Classification

ML Categories

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/Finance/Insurance/Other		82.1%
/Business_and_Industrial		30.5%
/Business_and_Industrial/Small_Business		17.2%
/Business_and_Industrial/Small_Business/Business_Formation		14.4%

Raw JSON

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ML Page Types

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/Article/Product_or_Brand_Review		21.5%

Raw JSON

{
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ML Intent Types

Commercial		82.9%
Informational		43.1%
Transactional		17.9%

Raw JSON

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Content Metadata

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Original Publish Time

2016-02-27 13:07:47 (10 years ago)

Republished

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Links

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Technical SEO

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Meta Noarchive

JS Rendered

Yes

Redirect Target

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Performance

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TTFB (ms)

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Unparsed URL

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