The short version
A strong choice for businesses that want several coverages in one policy. On our small business insurance comparison, it's labeled Best for bundled policies.
Key facts
| Buy through | Online, agents |
|---|
| Coverages | GL, BOP, WC, auto, E&O |
|---|
| Certificates | Online |
|---|
What stands out
- Business owner's policies bundling liability and property
- Workers' compensation
- Decades of small business experience
Pros and cons
Pros
- Comprehensive bundles
- Established insurer
Cons
- Some coverages require speaking with an agent
How The Hartford compares
Side-by-side comparison
| NI NEXT Insurance (ERGO) | TH The Hartford | H Hiscox |
|---|
| Trustpilot rating | | – | – |
| Buy through | Online | Online, agents | Online, phone |
| Coverages | GL, BOP, WC, E&O, auto | GL, BOP, WC, auto, E&O | E&O, GL, BOP, cyber |
| Certificates | Instant, online | Online | Online |
| Visit site | Visit site | Visit site |
Head-to-head comparisons
Alternatives to consider
What to check before you sign up
Whichever small business insurance provider you choose, compare these points:
- General liability. Covers third-party injury and property damage claims. Often required by landlords and clients.
- Business owner's policy. Bundles general liability with commercial property at a lower price than buying both separately.
- Professional liability. Covers claims that your advice or work caused a client financial loss.
- Workers' compensation. Required in most states once you have employees. Covers work-related injuries.
