Small Business Resource Directory

The Hartford Small Business Liability Insurance

Think all insurance is the same? Think again. Cheaper now isn't always better later—not when one uninsured loss could wipe out everything you're working to build. At The Hartford, we are focused on protecting your business. By offering you coverages that may not be available in other policies, our small business insurance is designed with businesses like yours in mind. See how to get the most value for your insurance dollar.

Just a few of the reasons many small business owners are insured by The Hartford...

Small Business Experience
We don't just sell small business insurance, we focus on it. In fact, we tailor coverages to meet the particular needs of a diverse array of small businesses. So chances are we have a customized program to fit your needs.

Industry–Leading Products
We provide world–class small business insurance products that protect what you value most.

  • SPECTRUM. Our comprehensive business owners' policy truly provides a broad spectrum of industry–specific coverages to help protect you from both property and liability losses.
  • Workers' Compensation. Our workers' compensation plan covers on–the–job injuries, yet limits your losses, with either our broad coverage or an extended option plan.
  • Commercial Auto Insurance. Our policy leaves other policies in the dust–thanks to valuable built–in excess coverage for hired autos, legal liability coverage for negligent drivers, and other advantages.
  • Cyberflex. To meet the high–tech insurance needs of today's small businesses, The Hartford offers this suite of optional coverages that protect against a variety of Internet–related exposures.
  • FailSafe™ Technology Liability. Not just liability coverage for technologists, but a suite of professional liability insurance coverages for technology companies. Available in three increasingly powerful forms, (MEGA, GIGA and TERA), FailSafe™ is designed to protect small–to midsize firms that offer:
  • o Hardware/Software Development
    o Programming Consulting
    o Web Site Design
    o Systems Consulting

    Financial Strength and Integrity
    When you insure your business with The Hartford, you're covered by one of the nation's largest insurers. As a Fortune 100 company, we had $2.9 billion in net income in 2007, and have close to a 200–year history of serving millions of businesses and individuals worldwide. (No wonder we're one of Fortune's Most Admired Companies.) For more details on our financials, check out our Company Profile or our Annual Report

    Exceptional Service
    Service is so important to us that we have professionals dedicated to serving small business owners in our Select Customer Insurance Centers around the country. So when your insurance agent partners with these professionals, they're always available to answer your questions, handle your requests, make changes to your policy and more.

    Plus, we offer fast, flexible service when you need it most — at claim time. In fact, we make it easy to report claims. Just call our toll–free claim reporting hotline 24 hours a day or send us your claim information online.

    Leading–Edge Technology
    We integrate the latest technology into our business operations to help us work more efficiently. Not only does this help keep costs down and service quality high, but it also allows us to pass savings on to our customers.
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