The Hartford 200+ years of small business insurance.
The Hartford is one of the most recognized and trusted commercial carriers in the United States, providing businesses with comprehensive insurance designed to protect their employees, property, vehicles, and financial future. With more than 200 years of experience, The Hartford has built its reputation on exceptional claims service, innovative risk management resources, and small business programs that simplify insurance for owners.
What The Hartford covers.
The Hartford offers commercial coverage designed to protect your employees, property, vehicles, and financial future:
- Business Owners Policy (BOP)
- Commercial General Liability
- Commercial Property Insurance
- Commercial Auto Insurance
- Workers' Compensation Insurance
- Commercial Umbrella Insurance
- Cyber Liability Insurance
- Professional Liability Insurance
- Employment Practices Liability (EPLI)
- Directors & Officers Liability
- Data Breach Insurance
- Equipment Breakdown Coverage
- Inland Marine Insurance
- Business Income Coverage
- Surety Bonds
Who The Hartford fits best.
The Hartford is an excellent choice for Michigan small businesses buying their first commercial policy, contractors and trades needing workers' comp, professional offices, retail stores, and nonprofits. Especially strong when you want packaged coverage that's simple to manage.
Businesses The Hartford insures.
Industry-specific underwriting means your coverage is built around the risks your operation actually faces — not a generic commercial template.
- Contractors
- Construction Businesses
- Electricians
- Plumbers
- HVAC Contractors
- Landscapers
- Retail Stores
- Restaurants
- Professional Offices
- Real Estate Businesses
- Property Managers
- Healthcare Practices
- Technology Companies
- Manufacturers
- Wholesalers & Distributors
- Nonprofit Organizations
- Financial Services Firms
What makes The Hartford stand out.
Small Business Packages
The Hartford's packaged small business programs are among the easiest to understand and bind — a real advantage for first-time buyers.
Workers' Compensation Specialists
One of the most experienced workers' comp carriers in the country, with strong return-to-work programs.
200+ Years of Experience
Founded in 1810 — one of the oldest continuously operating insurers in the United States.
Data Breach & Cyber Protection
Cyber and data breach coverage built into small business programs, not bolted on as an afterthought.
Employee Safety Resources
Training tools and safety materials that help reduce claims frequency before it shows up in your premium.
Strong Digital Tools
Online policy and claims management that make routine servicing genuinely self-serve.
Ready to see what The Hartford can do for your business?
We'll quote The Hartford alongside 37+ carriers so you can compare coverage side by side.