Running a business comes with many challenges and risks. It is important to have the right insurance coverage to protect your company and employees from potential losses. The Hartford offers a wide range of business insurance products to fit the needs of small and large businesses alike.
Types of Business Insurance Offered by The Hartford
The Hartford has been providing business insurance for over 200 years. They offer a variety of insurance products to help businesses manage risks and protect their assets. Here are some of the most common types of business insurance offered by The Hartford:
Type |
Description |
|---|---|
General Liability Insurance |
Protects businesses from claims of bodily injury, property damage, and advertising injury. |
Workers’ Compensation Insurance |
Covers medical expenses and lost wages for employees who are injured on the job. |
Business Owners Policy (BOP) |
A bundled insurance policy that includes property, liability, and business interruption coverage. |
Commercial Auto Insurance |
Covers vehicles used for business purposes, such as delivery trucks, company cars, and commercial vans. |
Professional Liability Insurance |
Also known as errors and omissions (E&O) insurance, protects businesses from claims of negligence or mistakes in professional services. |
General Liability Insurance
General liability insurance is a type of business insurance that protects businesses from claims of bodily injury, property damage, and advertising injury. It covers legal fees, medical expenses, and damages awarded in a lawsuit. This type of insurance is essential for businesses that interact with customers, vendors, and other third parties.
The Hartford offers general liability insurance that can be customized to fit the needs of your business. They provide coverage for a wide range of industries, including construction, healthcare, and technology. The policy includes coverage for bodily injury, property damage, and personal and advertising injury.
Personal and advertising injury covers claims of libel, slander, copyright infringement, and invasion of privacy. This coverage is important for businesses that rely on advertising and marketing to promote their products or services. The Hartford also offers additional coverage options, such as liquor liability, product liability, and cyber liability.
Workers’ Compensation Insurance
Workers’ compensation insurance is a type of business insurance that covers medical expenses and lost wages for employees who are injured on the job. This type of insurance is required by law in most states, and it is important for businesses to have adequate coverage to protect their employees and assets.
The Hartford offers workers’ compensation insurance that can be customized to fit the needs of your business. They provide coverage for a wide range of industries, including construction, healthcare, and technology. The policy includes coverage for medical expenses, lost wages, and rehabilitation expenses.
The Hartford also provides a variety of tools and resources to help businesses manage workplace safety and reduce the risk of injury. They offer online training courses, safety checklists, and ergonomic assessments to help businesses create a safe and healthy workplace.
Business Owners Policy (BOP)
A business owners policy (BOP) is a bundled insurance policy that includes property, liability, and business interruption coverage. This type of coverage is designed for small businesses that need comprehensive insurance coverage at an affordable cost.
The Hartford offers a BOP that can be customized to fit the needs of your business. The policy includes coverage for property damage, general liability, and business interruption. Property damage covers damage to your physical assets, such as buildings, equipment, and inventory. General liability covers claims of bodily injury, property damage, and advertising injury. Business interruption covers lost income and additional expenses if your business is unable to operate due to a covered loss.
The Hartford also offers a variety of additional coverage options, such as equipment breakdown coverage, data breach coverage, and employment practices liability coverage.
Commercial Auto Insurance
Commercial auto insurance is a type of business insurance that covers vehicles used for business purposes, such as delivery trucks, company cars, and commercial vans. This type of insurance is required by law in most states, and it is important for businesses to have adequate coverage to protect their vehicles and employees.
The Hartford offers commercial auto insurance that can be customized to fit the needs of your business. They provide coverage for a wide range of vehicles, including cars, trucks, and trailers. The policy includes coverage for bodily injury, property damage, and collision and comprehensive coverage.
The Hartford also offers additional coverage options, such as rental reimbursement coverage, towing and labor coverage, and uninsured/underinsured motorist coverage.
Professional Liability Insurance
Professional liability insurance is a type of business insurance that protects businesses from claims of negligence or mistakes in professional services. This type of insurance is commonly known as errors and omissions (E&O) insurance.
The Hartford offers professional liability insurance that can be customized to fit the needs of your business. They provide coverage for a wide range of industries, including healthcare, technology, and financial services. The policy includes coverage for claims of negligence, errors and omissions, and breach of contract.
The Hartford also offers additional coverage options, such as cyber liability coverage, media liability coverage, and directors and officers liability coverage.
FAQs
What types of businesses does The Hartford provide insurance for?
The Hartford provides insurance for a wide range of businesses, including small and large businesses in industries such as construction, healthcare, and technology.
What types of insurance coverage does The Hartford offer?
The Hartford offers a variety of insurance products to help businesses manage risks and protect their assets. They offer general liability insurance, workers’ compensation insurance, business owners policy (BOP), commercial auto insurance, and professional liability insurance, among others.
How can I get a quote from The Hartford?
You can get a quote from The Hartford by filling out an online form or contacting a local agent. They will work with you to determine the right coverage options for your business.
What are some additional coverage options offered by The Hartford?
The Hartford offers a variety of additional coverage options, such as cyber liability coverage, equipment breakdown coverage, and employment practices liability coverage.
How can The Hartford help my business manage risks?
The Hartford provides a variety of tools and resources to help businesses manage risks and reduce the likelihood of losses. They offer online training courses, safety checklists, and ergonomic assessments to help businesses create a safe and healthy workplace.
Conclusion
The Hartford has been providing business insurance for over 200 years. They offer a variety of insurance products to help businesses manage risks and protect their assets. From general liability insurance to professional liability insurance, The Hartford has a wide range of coverage options to fit the needs of small and large businesses alike. Contact The Hartford today to learn more about their insurance products and how they can help protect your business.