🕷️ Crawler Inspector

URL Lookup

Direct Parameter Lookup

Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 183 (from laksa150)

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 FROM crawler3.page_info_local FINAL PREWHERE (src_root_hash, src_unparsed) IN ((getAhrefsRootHashFromUnparsed(getAhrefsUnparsedNoserviceFromURL(\'https://www.thehartford.com/business-insurance/types-of-insurance\')), getAhrefsUnparsedNoserviceFromURL(\'https://www.thehartford.com/business-insurance/types-of-insurance\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/www.thehartford.com\/business-insurance\/types-of-insurance","crawl_time":1776469748,"first_indexed_time":1520214881,"http_code":200,"src_unparsed":"com,thehartford!www,\/business-insurance\/types-of-insurance s443","src_root_hash":"5256101320521241183","history_drop_reason":null,"meta_title":"Types of Business Insurance Every Business Needs | The Hartford","meta_descriptions":["There are many types of business insurance. General liability, commercial property, business income and workers’ compensation are just a few types of insurance that many business owners purchase from The Hartford. Learn about the different types of insurance your business needs. Get a quote today."],"attrs_boilerpipe_text":"The Right Types of Insurance for Businesses\nThere are many types of insurance options out there that business owners can get. Insurance helps protect your company from different risks that can come up during normal operations. Choosing what\nbusiness insurance\n (sometimes called\ncommercial insurance\n) you need can seem overwhelming, but we’re here to help.\nMany business owners start with a\nBusiness Owner’s Policy\n (BOP) for their small business insurance needs. It combines three essential coverages:\nGeneral liability insurance\nCommercial property insurance\nBusiness income insurance\nWe made our BOP customizable, so you can add other business insurance coverages to get more protection. For example, if your business provides a professional service to customers, you may want to get a\nprofessional liability insurance policy\n. It can help protect your business from claims that it made a mistake in the professional services given.\nWe know every business is different. That’s why we’re here to help you get the right types of business insurance.\n8 Types of Insurance Policies for Small Businesses to Consider\nYou may have to get different types of insurance depending on the industry you’re in. That’s because every business faces unique challenges and risks.\nWhile there are many types of insurance that you can get, read about eight policies that many small businesses can get to help protect them from a variety of risks.\n1. General Liability Insurance (GLI)\nGeneral liability\n helps protect your business from claims that it caused:\nBodily injury to someone else\nProperty damage to another person’s belongings\nPersonal injury, like libel or slander\n2. Commercial Property Insurance\nCommercial property insurance\n helps protect your owned or rented building and equipment that you use to run your business.\nBe aware that this insurance doesn’t cover damage from earthquakes or floods. You’ll likely have to get a separate policy, like\ncommercial flood insurance\n, to help protect your business from these kinds of claims.\n3. Business Income Insurance\nIf you can’t run your business because of covered property damage,\nbusiness income insurance\n can help replace your lost income. So, you can use this coverage to help pay for ongoing expenses, like rent, utility bills or payroll. This type of insurance is also known as business interruption insurance.\n4. Professional Liability Insurance\nProfessional liability insurance\n helps cover lawsuits claiming that you made a mistake in the services you provided. This type of insurance is also known as errors and omissions (E&O) insurance.\n5. Workers’ Compensation Insurance\nWorkers’ compensation insurance\n gives your employees benefits if they get hurt or sick from their job. These benefits can help:\nPay for their medical bills\nReplace most of their lost wages if they miss work to recover\nCover funeral costs if they lose their life due to a work-related injury or illness\nPay for ongoing care, like physical therapy\nMost states require businesses with employees to carry workers’ compensation insurance. You can face fines, penalties and criminal charges if you don’t comply with your state’s law.\n6. Data Breach Insurance\nData breach insurance\n helps your business respond to a data breach if personally identifiable information gets lost or stolen. Some insurers may call this coverage cyber insurance.\nData breach insurance can help pay your costs to:\nNotify impacted individuals\nOffer identity theft monitoring services\nCreate a public relations campaign\n7. Commercial Umbrella Insurance\nCommercial umbrella insurance\n extends the coverage limits for some of your liability policies. So, if a claim exceeds the limits on your policy, your umbrella insurance can help cover the difference.\n8. Commercial Auto Insurance\nCommercial auto insurance\n helps protect you and your employees on the road if you drive company-owned vehicles for business. It can help cover property damage and bodily injury claims from an accident your business causes. This is important because a personal car insurance policy won’t help cover third-party claims in an accident you cause with a business-owned vehicle.\nWhat Different Types of Insurance Are\nSmall Business Insurance Requirements\n?\nDepending on your type of business and where you are, the law may require you to carry certain types of insurance. For example, most states require employers to have workers’ compensation insurance. Some states have laws for\nbusiness insurance by industry\n. For example,\naccountants\n may have to get professional liability insurance.\nIt’s important to make sure you’re familiar with your\nstate business insurance\n laws. You can work with an\ninsurance agent\n to make sure you’re complying with regulations. They can help you customize an insurance policy that fits your needs and budget.\nGet Recommendations on the Types of Business Insurance You May Need\nRegardless of the size of your business and any industry trends, business insurance coverage is important. It can give startups a good foundation when they open their doors for the first time. And it’s important for experienced business owners too, because depending on your business and your types of insurance, policy needs may change over time.\nWe’re an insurance company backed by more than 200 years of experience and we’ve helped more than 1 million small business owners. Our specialists want to do the same for you. We can work with you to get the types of business insurance your company needs. Get a\nbusiness insurance quote\ntoday and learn how we can help you.","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\/types-of-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\/types-of-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\/types-of-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\/types-of-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  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\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](https:\/\/www.thehartford.com\/business-insurance)\n# Types of Business Insurance\n\nGet Great Coverage in Minutes\n\nAll it takes is a few clicks.\n\n[Quote Today](https:\/\/quotesmallbusiness.thehartford.com\/quote-and-buy\/quote-oqp?prcd=76210775&Tcode=TH040055 \"Quote Today\")\n\n## The Right Types of Insurance for Businesses\n![types of business insurance](https:\/\/assets.thehartford.com\/image\/upload\/higcom_image_sc_seo_wfh_black_woman.jpg)There are many types of insurance options out there that business owners can get. Insurance helps protect your company from different risks that can come up during normal operations. Choosing what [business insurance](https:\/\/www.thehartford.com\/business-insurance) (sometimes called [commercial insurance](https:\/\/www.thehartford.com\/commercial-insurance)) you need can seem overwhelming, but we’re here to help.\n\nMany business owners start with a [Business Owner’s Policy](https:\/\/www.thehartford.com\/business-owners-policy) (BOP) for their small business insurance needs. It combines three essential coverages:\n\n- General liability insurance\n- Commercial property insurance\n- Business income insurance\n\nWe made our BOP customizable, so you can add other business insurance coverages to get more protection. For example, if your business provides a professional service to customers, you may want to get a [professional liability insurance policy](https:\/\/www.thehartford.com\/professional-liability-insurance). It can help protect your business from claims that it made a mistake in the professional services given.\n\nWe know every business is different. That’s why we’re here to help you get the right types of business insurance.\n\n## 8 Types of Insurance Policies for Small Businesses to Consider\n![types of insurance policy](https:\/\/assets.thehartford.com\/image\/upload\/higcom_image_sc_seo_storefront_with_cars.jpg)You may have to get different types of insurance depending on the industry you’re in. That’s because every business faces unique challenges and risks.\n\nWhile there are many types of insurance that you can get, read about eight policies that many small businesses can get to help protect them from a variety of risks.\n\n### 1\\. General Liability Insurance (GLI)\n[General liability](https:\/\/www.thehartford.com\/general-liability-insurance) helps protect your business from claims that it caused:\n\n- Bodily injury to someone else\n- Property damage to another person’s belongings\n- Personal injury, like libel or slander\n### 2\\. Commercial Property Insurance\n[Commercial property insurance](https:\/\/www.thehartford.com\/commercial-property-insurance) helps protect your owned or rented building and equipment that you use to run your business.\n\nBe aware that this insurance doesn’t cover damage from earthquakes or floods. You’ll likely have to get a separate policy, like [commercial flood insurance](https:\/\/www.thehartford.com\/commercial-flood-insurance), to help protect your business from these kinds of claims.\n\n### 3\\. Business Income Insurance\nIf you can’t run your business because of covered property damage, [business income insurance](https:\/\/www.thehartford.com\/business-income-insurance) can help replace your lost income. So, you can use this coverage to help pay for ongoing expenses, like rent, utility bills or payroll. This type of insurance is also known as business interruption insurance.\n\n### 4\\. Professional Liability Insurance\n[Professional liability insurance](https:\/\/www.thehartford.com\/professional-liability-insurance) helps cover lawsuits claiming that you made a mistake in the services you provided. This type of insurance is also known as errors and omissions (E\\&O) insurance.\n\n### 5\\. Workers’ Compensation Insurance\n[Workers’ compensation insurance](https:\/\/www.thehartford.com\/workers-compensation) gives your employees benefits if they get hurt or sick from their job. These benefits can help:\n\n- Pay for their medical bills\n- Replace most of their lost wages if they miss work to recover\n- Cover funeral costs if they lose their life due to a work-related injury or illness\n- Pay for ongoing care, like physical therapy\n\nMost states require businesses with employees to carry workers’ compensation insurance. You can face fines, penalties and criminal charges if you don’t comply with your state’s law.\n\n### 6\\. Data Breach Insurance\n[Data breach insurance](https:\/\/www.thehartford.com\/cyber-insurance) helps your business respond to a data breach if personally identifiable information gets lost or stolen. Some insurers may call this coverage cyber insurance.\n\nData breach insurance can help pay your costs to:\n\n- Notify impacted individuals\n- Offer identity theft monitoring services\n- Create a public relations campaign\n### 7\\. Commercial Umbrella Insurance\n[Commercial umbrella insurance](https:\/\/www.thehartford.com\/commercial-umbrella-insurance) extends the coverage limits for some of your liability policies. So, if a claim exceeds the limits on your policy, your umbrella insurance can help cover the difference.\n\n### 8\\. Commercial Auto Insurance\n[Commercial auto insurance](https:\/\/www.thehartford.com\/commercial-auto-insurance) helps protect you and your employees on the road if you drive company-owned vehicles for business. It can help cover property damage and bodily injury claims from an accident your business causes. This is important because a personal car insurance policy won’t help cover third-party claims in an accident you cause with a business-owned vehicle.\n\n## What Different Types of Insurance Are [Small Business Insurance Requirements](https:\/\/www.thehartford.com\/small-business-insurance\/small-business-insurance-requirements)?\n![different types of insurance](https:\/\/assets.thehartford.com\/image\/upload\/higcom_image_sc_seo_flower_man_laptop.jpg)Depending on your type of business and where you are, the law may require you to carry certain types of insurance. For example, most states require employers to have workers’ compensation insurance. Some states have laws for [business insurance by industry](https:\/\/www.thehartford.com\/business-insurance\/industries). For example, [accountants](https:\/\/www.thehartford.com\/business-insurance\/accounting-insurance) may have to get professional liability insurance.\n\nIt’s important to make sure you’re familiar with your [state business insurance](https:\/\/www.thehartford.com\/business-insurance\/states) laws. You can work with an [insurance agent](https:\/\/www.thehartford.com\/small-business-agency-locator) to make sure you’re complying with regulations. They can help you customize an insurance policy that fits your needs and budget.\n\n## Get Recommendations on the Types of Business Insurance You May Need\nRegardless of the size of your business and any industry trends, business insurance coverage is important. It can give startups a good foundation when they open their doors for the first time. And it’s important for experienced business owners too, because depending on your business and your types of insurance, policy needs may change over time.\n\nWe’re an insurance company backed by more than 200 years of experience and we’ve helped more than 1 million small business owners. Our specialists want to do the same for you. We can work with you to get the types of business insurance your company needs. Get a [business insurance quote](https:\/\/quotesmallbusiness.thehartford.com\/quote-and-buy\/quote-oqp?prcd=76210775&Tcode=TH040055 \"business insurance quote\") today and learn how we can help you.\n\n## More Answers to Frequently Asked Business Insurance Questions\n[What Does Business Insurance Cover?](https:\/\/www.thehartford.com\/business-insurance\/what-does-business-insurance-cover \"What Does Business Insurance Cover?\")\n\n[What Are Certificates of Insurance (COI)?](https:\/\/www.thehartford.com\/business-insurance\/certificate-of-insurance-coi \"What Are Certificates of Insurance (COI)?\")\n\n[Business Insurance Definition & FAQs](https:\/\/www.thehartford.com\/business-insurance\/faqs \"Business Insurance Definition & FAQs\")\n\n[Top 10 Reasons You Need Business Insurance](https:\/\/www.thehartford.com\/business-insurance\/top-10-reasons-you-need-business-insurance \"Top 10 Reasons You Need Business Insurance\")\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](https:\/\/www.thehartford.com\/).\n\n\\* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.\n\n[Get a Small Business Insurance Quote](https:\/\/quotesmallbusiness.thehartford.com\/quote-and-buy\/quote-oqp?prcd=76210775&Tcode=TH040055 \"Get a Small Business Insurance Quote\")","attrs_readable_markdown":"## The Right Types of Insurance for Businesses\n![types of business insurance](https:\/\/assets.thehartford.com\/image\/upload\/higcom_image_sc_seo_wfh_black_woman.jpg)There are many types of insurance options out there that business owners can get. Insurance helps protect your company from different risks that can come up during normal operations. Choosing what [business insurance](https:\/\/www.thehartford.com\/business-insurance) (sometimes called [commercial insurance](https:\/\/www.thehartford.com\/commercial-insurance)) you need can seem overwhelming, but we’re here to help.\n\nMany business owners start with a [Business Owner’s Policy](https:\/\/www.thehartford.com\/business-owners-policy) (BOP) for their small business insurance needs. It combines three essential coverages:\n\n- General liability insurance\n- Commercial property insurance\n- Business income insurance\n\nWe made our BOP customizable, so you can add other business insurance coverages to get more protection. For example, if your business provides a professional service to customers, you may want to get a [professional liability insurance policy](https:\/\/www.thehartford.com\/professional-liability-insurance). It can help protect your business from claims that it made a mistake in the professional services given.\n\nWe know every business is different. That’s why we’re here to help you get the right types of business insurance.\n\n## 8 Types of Insurance Policies for Small Businesses to Consider\n![types of insurance policy](https:\/\/assets.thehartford.com\/image\/upload\/higcom_image_sc_seo_storefront_with_cars.jpg)You may have to get different types of insurance depending on the industry you’re in. That’s because every business faces unique challenges and risks.\n\nWhile there are many types of insurance that you can get, read about eight policies that many small businesses can get to help protect them from a variety of risks.\n\n### 1\\. General Liability Insurance (GLI)\n[General liability](https:\/\/www.thehartford.com\/general-liability-insurance) helps protect your business from claims that it caused:\n\n- Bodily injury to someone else\n- Property damage to another person’s belongings\n- Personal injury, like libel or slander\n### 2\\. Commercial Property Insurance\n[Commercial property insurance](https:\/\/www.thehartford.com\/commercial-property-insurance) helps protect your owned or rented building and equipment that you use to run your business.\n\nBe aware that this insurance doesn’t cover damage from earthquakes or floods. You’ll likely have to get a separate policy, like [commercial flood insurance](https:\/\/www.thehartford.com\/commercial-flood-insurance), to help protect your business from these kinds of claims.\n\n### 3\\. Business Income Insurance\nIf you can’t run your business because of covered property damage, [business income insurance](https:\/\/www.thehartford.com\/business-income-insurance) can help replace your lost income. So, you can use this coverage to help pay for ongoing expenses, like rent, utility bills or payroll. This type of insurance is also known as business interruption insurance.\n\n### 4\\. Professional Liability Insurance\n[Professional liability insurance](https:\/\/www.thehartford.com\/professional-liability-insurance) helps cover lawsuits claiming that you made a mistake in the services you provided. This type of insurance is also known as errors and omissions (E\\&O) insurance.\n\n### 5\\. Workers’ Compensation Insurance\n[Workers’ compensation insurance](https:\/\/www.thehartford.com\/workers-compensation) gives your employees benefits if they get hurt or sick from their job. These benefits can help:\n\n- Pay for their medical bills\n- Replace most of their lost wages if they miss work to recover\n- Cover funeral costs if they lose their life due to a work-related injury or illness\n- Pay for ongoing care, like physical therapy\n\nMost states require businesses with employees to carry workers’ compensation insurance. You can face fines, penalties and criminal charges if you don’t comply with your state’s law.\n\n### 6\\. Data Breach Insurance\n[Data breach insurance](https:\/\/www.thehartford.com\/cyber-insurance) helps your business respond to a data breach if personally identifiable information gets lost or stolen. Some insurers may call this coverage cyber insurance.\n\nData breach insurance can help pay your costs to:\n\n- Notify impacted individuals\n- Offer identity theft monitoring services\n- Create a public relations campaign\n### 7\\. Commercial Umbrella Insurance\n[Commercial umbrella insurance](https:\/\/www.thehartford.com\/commercial-umbrella-insurance) extends the coverage limits for some of your liability policies. So, if a claim exceeds the limits on your policy, your umbrella insurance can help cover the difference.\n\n### 8\\. Commercial Auto Insurance\n[Commercial auto insurance](https:\/\/www.thehartford.com\/commercial-auto-insurance) helps protect you and your employees on the road if you drive company-owned vehicles for business. It can help cover property damage and bodily injury claims from an accident your business causes. This is important because a personal car insurance policy won’t help cover third-party claims in an accident you cause with a business-owned vehicle.\n\n## What Different Types of Insurance Are [Small Business Insurance Requirements](https:\/\/www.thehartford.com\/small-business-insurance\/small-business-insurance-requirements)?\n![different types of insurance](https:\/\/assets.thehartford.com\/image\/upload\/higcom_image_sc_seo_flower_man_laptop.jpg)Depending on your type of business and where you are, the law may require you to carry certain types of insurance. For example, most states require employers to have workers’ compensation insurance. Some states have laws for [business insurance by industry](https:\/\/www.thehartford.com\/business-insurance\/industries). For example, [accountants](https:\/\/www.thehartford.com\/business-insurance\/accounting-insurance) may have to get professional liability insurance.\n\nIt’s important to make sure you’re familiar with your [state business insurance](https:\/\/www.thehartford.com\/business-insurance\/states) laws. You can work with an [insurance agent](https:\/\/www.thehartford.com\/small-business-agency-locator) to make sure you’re complying with regulations. They can help you customize an insurance policy that fits your needs and budget.\n\n## Get Recommendations on the Types of Business Insurance You May Need\nRegardless of the size of your business and any industry trends, business insurance coverage is important. It can give startups a good foundation when they open their doors for the first time. And it’s important for experienced business owners too, because depending on your business and your types of insurance, policy needs may change over time.\n\nWe’re an insurance company backed by more than 200 years of experience and we’ve helped more than 1 million small business owners. Our specialists want to do the same for you. We can work with you to get the types of business insurance your company needs. Get a [business insurance quote](https:\/\/quotesmallbusiness.thehartford.com\/quote-and-buy\/quote-oqp?prcd=76210775&Tcode=TH040055 \"business insurance quote\") today and learn how we can help you.","meta_canonical":null}

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Meta Title	Types of Business Insurance Every Business Needs \| The Hartford
Meta Description	There are many types of business insurance. General liability, commercial property, business income and workers’ compensation are just a few types of insurance that many business owners purchase from The Hartford. Learn about the different types of insurance your business needs. Get a quote today.
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Boilerpipe Text	The Right Types of Insurance for Businesses There are many types of insurance options out there that business owners can get. Insurance helps protect your company from different risks that can come up during normal operations. Choosing what business insurance (sometimes called commercial insurance ) you need can seem overwhelming, but we’re here to help. Many business owners start with a Business Owner’s Policy (BOP) for their small business insurance needs. It combines three essential coverages: General liability insurance Commercial property insurance Business income insurance We made our BOP customizable, so you can add other business insurance coverages to get more protection. For example, if your business provides a professional service to customers, you may want to get a professional liability insurance policy . It can help protect your business from claims that it made a mistake in the professional services given. We know every business is different. That’s why we’re here to help you get the right types of business insurance. 8 Types of Insurance Policies for Small Businesses to Consider You may have to get different types of insurance depending on the industry you’re in. That’s because every business faces unique challenges and risks. While there are many types of insurance that you can get, read about eight policies that many small businesses can get to help protect them from a variety of risks. 1. General Liability Insurance (GLI) General liability helps protect your business from claims that it caused: Bodily injury to someone else Property damage to another person’s belongings Personal injury, like libel or slander 2. Commercial Property Insurance Commercial property insurance helps protect your owned or rented building and equipment that you use to run your business. Be aware that this insurance doesn’t cover damage from earthquakes or floods. You’ll likely have to get a separate policy, like commercial flood insurance , to help protect your business from these kinds of claims. 3. Business Income Insurance If you can’t run your business because of covered property damage, business income insurance can help replace your lost income. So, you can use this coverage to help pay for ongoing expenses, like rent, utility bills or payroll. This type of insurance is also known as business interruption insurance. 4. Professional Liability Insurance Professional liability insurance helps cover lawsuits claiming that you made a mistake in the services you provided. This type of insurance is also known as errors and omissions (E&O) insurance. 5. Workers’ Compensation Insurance Workers’ compensation insurance gives your employees benefits if they get hurt or sick from their job. These benefits can help: Pay for their medical bills Replace most of their lost wages if they miss work to recover Cover funeral costs if they lose their life due to a work-related injury or illness Pay for ongoing care, like physical therapy Most states require businesses with employees to carry workers’ compensation insurance. You can face fines, penalties and criminal charges if you don’t comply with your state’s law. 6. Data Breach Insurance Data breach insurance helps your business respond to a data breach if personally identifiable information gets lost or stolen. Some insurers may call this coverage cyber insurance. Data breach insurance can help pay your costs to: Notify impacted individuals Offer identity theft monitoring services Create a public relations campaign 7. Commercial Umbrella Insurance Commercial umbrella insurance extends the coverage limits for some of your liability policies. So, if a claim exceeds the limits on your policy, your umbrella insurance can help cover the difference. 8. Commercial Auto Insurance Commercial auto insurance helps protect you and your employees on the road if you drive company-owned vehicles for business. It can help cover property damage and bodily injury claims from an accident your business causes. This is important because a personal car insurance policy won’t help cover third-party claims in an accident you cause with a business-owned vehicle. What Different Types of Insurance Are Small Business Insurance Requirements ? Depending on your type of business and where you are, the law may require you to carry certain types of insurance. For example, most states require employers to have workers’ compensation insurance. Some states have laws for business insurance by industry . For example, accountants may have to get professional liability insurance. It’s important to make sure you’re familiar with your state business insurance laws. You can work with an insurance agent to make sure you’re complying with regulations. They can help you customize an insurance policy that fits your needs and budget. Get Recommendations on the Types of Business Insurance You May Need Regardless of the size of your business and any industry trends, business insurance coverage is important. It can give startups a good foundation when they open their doors for the first time. And it’s important for experienced business owners too, because depending on your business and your types of insurance, policy needs may change over time. We’re an insurance company backed by more than 200 years of experience and we’ve helped more than 1 million small business owners. Our specialists want to do the same for you. We can work with you to get the types of business insurance your company needs. Get a business insurance quote today and learn how we can help you.
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[The Hartford Insurance](https://www.thehartford.com/) - [Business Insurance](https://www.thehartford.com/business-insurance) # Types of Business Insurance Get Great Coverage in Minutes All it takes is a few clicks. [Quote Today](https://quotesmallbusiness.thehartford.com/quote-and-buy/quote-oqp?prcd=76210775&Tcode=TH040055 "Quote Today") ## The Right Types of Insurance for Businesses ![types of business insurance](https://assets.thehartford.com/image/upload/higcom_image_sc_seo_wfh_black_woman.jpg)There are many types of insurance options out there that business owners can get. Insurance helps protect your company from different risks that can come up during normal operations. Choosing what [business insurance](https://www.thehartford.com/business-insurance) (sometimes called [commercial insurance](https://www.thehartford.com/commercial-insurance)) you need can seem overwhelming, but we’re here to help. Many business owners start with a [Business Owner’s Policy](https://www.thehartford.com/business-owners-policy) (BOP) for their small business insurance needs. It combines three essential coverages: - General liability insurance - Commercial property insurance - Business income insurance We made our BOP customizable, so you can add other business insurance coverages to get more protection. For example, if your business provides a professional service to customers, you may want to get a [professional liability insurance policy](https://www.thehartford.com/professional-liability-insurance). It can help protect your business from claims that it made a mistake in the professional services given. We know every business is different. That’s why we’re here to help you get the right types of business insurance. ## 8 Types of Insurance Policies for Small Businesses to Consider ![types of insurance policy](https://assets.thehartford.com/image/upload/higcom_image_sc_seo_storefront_with_cars.jpg)You may have to get different types of insurance depending on the industry you’re in. That’s because every business faces unique challenges and risks. While there are many types of insurance that you can get, read about eight policies that many small businesses can get to help protect them from a variety of risks. ### 1\. General Liability Insurance (GLI) [General liability](https://www.thehartford.com/general-liability-insurance) helps protect your business from claims that it caused: - Bodily injury to someone else - Property damage to another person’s belongings - Personal injury, like libel or slander ### 2\. Commercial Property Insurance [Commercial property insurance](https://www.thehartford.com/commercial-property-insurance) helps protect your owned or rented building and equipment that you use to run your business. Be aware that this insurance doesn’t cover damage from earthquakes or floods. You’ll likely have to get a separate policy, like [commercial flood insurance](https://www.thehartford.com/commercial-flood-insurance), to help protect your business from these kinds of claims. ### 3\. Business Income Insurance If you can’t run your business because of covered property damage, [business income insurance](https://www.thehartford.com/business-income-insurance) can help replace your lost income. So, you can use this coverage to help pay for ongoing expenses, like rent, utility bills or payroll. This type of insurance is also known as business interruption insurance. ### 4\. Professional Liability Insurance [Professional liability insurance](https://www.thehartford.com/professional-liability-insurance) helps cover lawsuits claiming that you made a mistake in the services you provided. This type of insurance is also known as errors and omissions (E\&O) insurance. ### 5\. Workers’ Compensation Insurance [Workers’ compensation insurance](https://www.thehartford.com/workers-compensation) gives your employees benefits if they get hurt or sick from their job. These benefits can help: - Pay for their medical bills - Replace most of their lost wages if they miss work to recover - Cover funeral costs if they lose their life due to a work-related injury or illness - Pay for ongoing care, like physical therapy Most states require businesses with employees to carry workers’ compensation insurance. You can face fines, penalties and criminal charges if you don’t comply with your state’s law. ### 6\. Data Breach Insurance [Data breach insurance](https://www.thehartford.com/cyber-insurance) helps your business respond to a data breach if personally identifiable information gets lost or stolen. Some insurers may call this coverage cyber insurance. Data breach insurance can help pay your costs to: - Notify impacted individuals - Offer identity theft monitoring services - Create a public relations campaign ### 7\. Commercial Umbrella Insurance [Commercial umbrella insurance](https://www.thehartford.com/commercial-umbrella-insurance) extends the coverage limits for some of your liability policies. So, if a claim exceeds the limits on your policy, your umbrella insurance can help cover the difference. ### 8\. Commercial Auto Insurance [Commercial auto insurance](https://www.thehartford.com/commercial-auto-insurance) helps protect you and your employees on the road if you drive company-owned vehicles for business. It can help cover property damage and bodily injury claims from an accident your business causes. This is important because a personal car insurance policy won’t help cover third-party claims in an accident you cause with a business-owned vehicle. ## What Different Types of Insurance Are [Small Business Insurance Requirements](https://www.thehartford.com/small-business-insurance/small-business-insurance-requirements)? ![different types of insurance](https://assets.thehartford.com/image/upload/higcom_image_sc_seo_flower_man_laptop.jpg)Depending on your type of business and where you are, the law may require you to carry certain types of insurance. For example, most states require employers to have workers’ compensation insurance. Some states have laws for [business insurance by industry](https://www.thehartford.com/business-insurance/industries). For example, [accountants](https://www.thehartford.com/business-insurance/accounting-insurance) may have to get professional liability insurance. It’s important to make sure you’re familiar with your [state business insurance](https://www.thehartford.com/business-insurance/states) laws. You can work with an [insurance agent](https://www.thehartford.com/small-business-agency-locator) to make sure you’re complying with regulations. They can help you customize an insurance policy that fits your needs and budget. ## Get Recommendations on the Types of Business Insurance You May Need Regardless of the size of your business and any industry trends, business insurance coverage is important. It can give startups a good foundation when they open their doors for the first time. And it’s important for experienced business owners too, because depending on your business and your types of insurance, policy needs may change over time. We’re an insurance company backed by more than 200 years of experience and we’ve helped more than 1 million small business owners. Our specialists want to do the same for you. We can work with you to get the types of business insurance your company needs. Get a [business insurance quote](https://quotesmallbusiness.thehartford.com/quote-and-buy/quote-oqp?prcd=76210775&Tcode=TH040055 "business insurance quote") today and learn how we can help you. ## More Answers to Frequently Asked Business Insurance Questions [What Does Business Insurance Cover?](https://www.thehartford.com/business-insurance/what-does-business-insurance-cover "What Does Business Insurance Cover?") [What Are Certificates of Insurance (COI)?](https://www.thehartford.com/business-insurance/certificate-of-insurance-coi "What Are Certificates of Insurance (COI)?") [Business Insurance Definition & FAQs](https://www.thehartford.com/business-insurance/faqs "Business Insurance Definition & FAQs") [Top 10 Reasons You Need Business Insurance](https://www.thehartford.com/business-insurance/top-10-reasons-you-need-business-insurance "Top 10 Reasons You Need Business Insurance") 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](https://www.thehartford.com/). \* Customer reviews are collected and tabulated by The Hartford and not representative of all customers. [Get a Small Business Insurance Quote](https://quotesmallbusiness.thehartford.com/quote-and-buy/quote-oqp?prcd=76210775&Tcode=TH040055 "Get a Small Business Insurance Quote")
Readable Markdown	## The Right Types of Insurance for Businesses ![types of business insurance](https://assets.thehartford.com/image/upload/higcom_image_sc_seo_wfh_black_woman.jpg)There are many types of insurance options out there that business owners can get. Insurance helps protect your company from different risks that can come up during normal operations. Choosing what [business insurance](https://www.thehartford.com/business-insurance) (sometimes called [commercial insurance](https://www.thehartford.com/commercial-insurance)) you need can seem overwhelming, but we’re here to help. Many business owners start with a [Business Owner’s Policy](https://www.thehartford.com/business-owners-policy) (BOP) for their small business insurance needs. It combines three essential coverages: - General liability insurance - Commercial property insurance - Business income insurance We made our BOP customizable, so you can add other business insurance coverages to get more protection. For example, if your business provides a professional service to customers, you may want to get a [professional liability insurance policy](https://www.thehartford.com/professional-liability-insurance). It can help protect your business from claims that it made a mistake in the professional services given. We know every business is different. That’s why we’re here to help you get the right types of business insurance. ## 8 Types of Insurance Policies for Small Businesses to Consider ![types of insurance policy](https://assets.thehartford.com/image/upload/higcom_image_sc_seo_storefront_with_cars.jpg)You may have to get different types of insurance depending on the industry you’re in. That’s because every business faces unique challenges and risks. While there are many types of insurance that you can get, read about eight policies that many small businesses can get to help protect them from a variety of risks. ### 1\. General Liability Insurance (GLI) [General liability](https://www.thehartford.com/general-liability-insurance) helps protect your business from claims that it caused: - Bodily injury to someone else - Property damage to another person’s belongings - Personal injury, like libel or slander ### 2\. Commercial Property Insurance [Commercial property insurance](https://www.thehartford.com/commercial-property-insurance) helps protect your owned or rented building and equipment that you use to run your business. Be aware that this insurance doesn’t cover damage from earthquakes or floods. You’ll likely have to get a separate policy, like [commercial flood insurance](https://www.thehartford.com/commercial-flood-insurance), to help protect your business from these kinds of claims. ### 3\. Business Income Insurance If you can’t run your business because of covered property damage, [business income insurance](https://www.thehartford.com/business-income-insurance) can help replace your lost income. So, you can use this coverage to help pay for ongoing expenses, like rent, utility bills or payroll. This type of insurance is also known as business interruption insurance. ### 4\. Professional Liability Insurance [Professional liability insurance](https://www.thehartford.com/professional-liability-insurance) helps cover lawsuits claiming that you made a mistake in the services you provided. This type of insurance is also known as errors and omissions (E\&O) insurance. ### 5\. Workers’ Compensation Insurance [Workers’ compensation insurance](https://www.thehartford.com/workers-compensation) gives your employees benefits if they get hurt or sick from their job. These benefits can help: - Pay for their medical bills - Replace most of their lost wages if they miss work to recover - Cover funeral costs if they lose their life due to a work-related injury or illness - Pay for ongoing care, like physical therapy Most states require businesses with employees to carry workers’ compensation insurance. You can face fines, penalties and criminal charges if you don’t comply with your state’s law. ### 6\. Data Breach Insurance [Data breach insurance](https://www.thehartford.com/cyber-insurance) helps your business respond to a data breach if personally identifiable information gets lost or stolen. Some insurers may call this coverage cyber insurance. Data breach insurance can help pay your costs to: - Notify impacted individuals - Offer identity theft monitoring services - Create a public relations campaign ### 7\. Commercial Umbrella Insurance [Commercial umbrella insurance](https://www.thehartford.com/commercial-umbrella-insurance) extends the coverage limits for some of your liability policies. So, if a claim exceeds the limits on your policy, your umbrella insurance can help cover the difference. ### 8\. Commercial Auto Insurance [Commercial auto insurance](https://www.thehartford.com/commercial-auto-insurance) helps protect you and your employees on the road if you drive company-owned vehicles for business. It can help cover property damage and bodily injury claims from an accident your business causes. This is important because a personal car insurance policy won’t help cover third-party claims in an accident you cause with a business-owned vehicle. ## What Different Types of Insurance Are [Small Business Insurance Requirements](https://www.thehartford.com/small-business-insurance/small-business-insurance-requirements)? ![different types of insurance](https://assets.thehartford.com/image/upload/higcom_image_sc_seo_flower_man_laptop.jpg)Depending on your type of business and where you are, the law may require you to carry certain types of insurance. For example, most states require employers to have workers’ compensation insurance. Some states have laws for [business insurance by industry](https://www.thehartford.com/business-insurance/industries). For example, [accountants](https://www.thehartford.com/business-insurance/accounting-insurance) may have to get professional liability insurance. It’s important to make sure you’re familiar with your [state business insurance](https://www.thehartford.com/business-insurance/states) laws. You can work with an [insurance agent](https://www.thehartford.com/small-business-agency-locator) to make sure you’re complying with regulations. They can help you customize an insurance policy that fits your needs and budget. ## Get Recommendations on the Types of Business Insurance You May Need Regardless of the size of your business and any industry trends, business insurance coverage is important. It can give startups a good foundation when they open their doors for the first time. And it’s important for experienced business owners too, because depending on your business and your types of insurance, policy needs may change over time. We’re an insurance company backed by more than 200 years of experience and we’ve helped more than 1 million small business owners. Our specialists want to do the same for you. We can work with you to get the types of business insurance your company needs. Get a [business insurance quote](https://quotesmallbusiness.thehartford.com/quote-and-buy/quote-oqp?prcd=76210775&Tcode=TH040055 "business insurance quote") today and learn how we can help you.
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