What types of coverage does Hartford offer for small businesses?

Hartford provides commercial auto insurance, general liability coverage, and business property protection that can be combined into packages suited for small businesses.

How can I save on my Hartford insurance policy?

You can lower costs by bundling auto and home, insuring multiple vehicles, maintaining a clean claims history, and making sure all safety features and security measures are listed on your quote.

Is Hartford's coverage customizable?

Yes, Hartford allows you to choose coverage limits, deductibles, and optional endorsements so your policy reflects the specific risks your business faces.

How do I file a claim with Hartford?

You can file a claim online or by phone. For detailed guidance, review Hartford’s step-by-step claims instructions before or right after an incident.

Hartford’s Tailored Insurance Solutions for Small Businesses

As a small business owner, you can’t afford long downtime after an accident or unexpected loss. The right insurance turns a major setback into a manageable inconvenience — and Hartford builds coverage specifically for small businesses that rely on vehicles and property to operate.

Whether you run a local delivery service, landscaping crew, construction company, or consulting firm with a few cars on the road, Hartford offers flexible options that match your business model and budget. You can tailor limits, add key protections, and keep everything under one account. Need a quick overview of pricing? Get Hartford insurance quotes tailored for your business.

Why Choose Specialized Business Coverage?

Standard personal auto or homeowners policies often exclude or limit coverage for business use. That can leave a dangerous gap if a work vehicle is involved in a crash, or if business equipment stored at your home is damaged. Hartford’s small business solutions are built to close those gaps with:

Commercial auto coverage for vehicles used in deliveries, job sites, or client visits.
Liability protection if your business is held responsible for injuries or property damage.
Business property coverage for tools, equipment, inventory, or office contents.

If something does go wrong, knowing how to file a claim with Hartford helps you get back on your feet quickly, with clear steps from first notice of loss to settlement.

Quick Quote Access for Busy Owners

Time is money when you’re running a small business. Hartford’s quote process is designed to be fast and straightforward — you provide a few key details about your drivers, vehicles, and property, and get pricing you can immediately compare with your current coverage.

Get Your Auto Insurance Quotes

Get free commercial auto quotes tailored to your small business vehicles.

Home & Property Insurance for Small Business Owners

Explore quotes to protect your business property, tools, and office contents.

compare small business auto insurance quotes

Bundling and Discounts for Small Business Owners

Hartford also offers bundled coverage — combine your business auto and homeowners policy with the same provider to streamline billing and unlock additional discounts. For a deeper look at how bundling works on the Hartford side, see how to bundle policies with Hartford for savings .

On top of bundling, you may qualify for special Hartford discounts based on claim history, payment habits, safety features, and more. Stacking these savings can noticeably reduce your yearly insurance spend without cutting essential protection.

Practical tip for owners: When comparing quotes, line up liability limits, deductibles, and covered equipment first. Then look at price. The cheapest option is not a bargain if one serious claim could shut down operations for weeks.

Understanding Your Coverage Options

No two small businesses look the same, and your insurance shouldn’t either. Hartford allows you to tailor coverage to how you actually work:

Commercial auto insurance for company cars, vans, trucks, or mixed-use vehicles.
General liability coverage to help protect against customer injuries, property damage, or certain legal claims.
Business property protection for equipment, inventory, computers, and furniture at your office or workspace.
Optional add-ons such as business interruption coverage, hired/non-owned auto, or protection for tools stored in vehicles.

The right mix means a fender-bender, stolen tools, or a small office fire becomes a recoverable event — not a crisis that threatens payroll.

Frequently Asked Questions

What coverage does Hartford offer for small businesses?
Hartford provides commercial auto, liability, and business property coverage that can be combined into a package tailored to your operations.
How can I save on my policy?
Bundle auto and home, ask about multi-vehicle and claims-free discounts, and make sure all your safety features are listed on the quote.
Can I customize my coverage?
Yes — Hartford lets you choose limits, deductibles, and optional add-ons so your policy reflects the real risks your business faces.
How do I file a claim?
You can start a claim online or by phone; for a step-by-step walkthrough, see the complete guide to filing a claim with Hartford .

Putting Hartford Coverage to Work for Your Business

Hartford’s small business solutions are built to keep you operating — not worrying about “what if.” By exploring your options, taking advantage of available discounts, and aligning coverage with the way you actually use your vehicles and property, you can protect your business assets with confidence.

If you also own your home, it can be helpful to review Hartford’s home insurance benefits and see how a combined approach supports both your household and your company. A few well-structured policies today can make the next five to ten years of growth much less risky.