Top Reasons To Choose Business Insurance from The Hartford

December 7, 2022

Top Reasons To Choose Business Insurance from The Hartford
Business resources

Business insurance coverage is something that no business, big or small, should be without. Life can throw the most unexpected business-related situations your way, and these situations can spell big trouble for your income and growth. Whether it’s sudden legal fees or medical expenses after an injury at your worksite, a cyber-attack, an employee that made a mistake, or a vengeful customer, business insurance can make a big difference in how the situation plays out. There are many types of business insurance, and small business owners should look for an insurance company that understands the needs of a smaller enterprise.


In this article, we'll dive into one such provider: The Hartford.

What is Business Insurance?

Business insurance is a form of general insurance meant to protect business owners when unexpected events lead to losses. These losses can come in many forms — legal liability, unexpected expenses, a loss of business, property damage, etc.

How Does The Hartford’s Small Business Insurance Work?

The Hartford has been offering insurance to businesses for over 210 years. Unlike other insurers, The Hartford understands that business owners need more than just general liability insurance. Fledgling businesses are still businesses, and they require professional services when it comes to insurance.


Enter The Hartford’s small business insurance. You take out insurance, and in return, The Hartford will cover legal expenses, lost business income, property damage, and more. If your business needs to close due to unforeseen circumstances, your business insurance can also help replace your lost wages. The Hartford isn't like others in the business insurance industry — you can customize the coverage you need.

8 Reasons You Should Choose The Hartford Over Other Providers

There are many small enterprise insurance providers that promise the moon and stars to potential clients. But they’re not all capable of delivering on their promises. The Hartford is one of the most popular and trusted options you’ll find. Here are eight reasons why:

1. You Can Rate Each Interaction

The Hartford maintains a high level of professionalism and service by getting feedback from clients (satisfied and unsatisfied). Customers can rate their interactions with The Hartford's staff after every claim experience. Constant feedback ensures honest commentary that allows The Hartford to understand how their services are benefiting their customers.

2. You Get 24/7 Access

The Hartford has a feature called My Account, which allows customers to handle their insurance matters wherever and whenever they want to. With 24/7 access to the online service portal, it doesn’t matter when you want to view your policy and coverage. It's always available.

3. You Get Free Tips and Training

Understanding all the legal aspects of your business and industry takes years of learning, and The Hartford knows that business owners don’t have the luxury of free time for this kind of study. So, they offer free expert tips and training that are industry-specific.

4. One Million Small Business Owners Use The Hartford

More than one million small businesses are insured with The Hartford, and this number continues to rise. Because The Hartford has such a large community of customers, it has a lot of experience in every niche and industry you can imagine. The Hartford also knows from experience how to keep business owners satisfied. The Hartford has over 15,030 reviews with an average rating of 4.8 out of 5 stars.

5. The Hartford Covers Lawsuits and Professional Errors

While many small business insurance companies limit the services they provide, The Hartford can assist their customers with the costs of lawsuits as well as professional errors. So, they can keep you protected in more ways than other insurers.

6. The Hartford is One of The World’s Most Ethical Companies

The Hartford has a strong culture of leadership and accountability. As a result, it's been named on Ethisphere's World's Most Ethical Companies list for 13 years in a row. Specifically, it's part of the "Property and Casualty Insurance" list.

Source: World's Most Ethical Companies

7. Workers’ Compensation Claims are Covered

Workers’ compensation is mandatory in every American state except Texas. Consequently, it's something that can cost a company a lot of money. Fortunately, it's coverage The Hartford can provide.

8. You Can Track Your Claims in Real Time

Keeping an eye on your claims is important when you’re trying to protect your business, and The Hartford makes it easy to track claims in real time for convenience and peace of mind. No matter where you are or what the time is, you can track your claim's status and receive any payment updates immediately.

General Liability Insurance For Businesses

No matter how careful you are, accidents can happen, and being prepared can mean the difference between your business falling or standing strong. Business owners have a truly demanding job, and when liability coverage is one less thing to worry about, they can focus on their business growth instead. Regardless of the kind of business you have and how many employees are working for you, you need to get business insurance. The Hartford can provide reliable, affordable, and comprehensive insurance that you’ll be grateful for if anything goes wrong for your business. Get a quote today and find out exactly what The Hartford can do for your small business.


And, if you are looking to grow your business, apply for a small business Line of Credit or business loan from Idea Financial.

Idea Financial offers:

·        Low rates

·        Same day approval

·        Loans up to $250,000

Apply now!