Insurance solutions for small businesses

Every contractor, consultant and small business owner needs business insurance to be protected. Our business owner's policy or commercial package policy offer a good starting point for most small businesses, including accountants, architects, engineers, dental offices, distributors, florist, law offices, medical office, pet groomers, printers and more.

Our insurance solutions for small business owners offer protection from different types of risks, including accidents, property damage, loss of income and more. As a part of our select network of independent agents, your insurance agent will work with you to develop a tailored solution to fit your business needs, including:

• Property insurance—Protect your building, furniture, equipment and other valuable assets from natural disaster, theft and other damage.
• General liability insurance—Even if you do everything right as a business owner, accidents can happen. General liability insurance helps pay for the costs to defend and settle claims against your business for bodily injury, property damage and personal injury.
• Loss of income and extra expense—If your business can't open because of damage from a natural disaster or other property damage, we offer protection that will reimburse you for loss of business income.
• Data breach—All small businesses face the threat of their sensitive data being lost, stolen or compromised. That's why we include data breach coverage to help pay for notification, credit monitoring and investigation expenses.
• Industry-specific coverages—A restaurant and a dental practice have different insurance needs than a technology company or manufacturer. We offer industry-specific coverage options for over 500 classes to help protect your small business against the risks we see most often in those types of businesses.

Total account solutions offer more value

When you purchase multiple commercial policies from The Hanover through your local independent agent, you will enjoy the convenience of one contact for all your insurance needs – including customer service, insurance billing, renewals and claims.

Beyond property and general liability coverage, most small businesses need:

• Workers' compensation to provide your employees a financial safety net for work-related accidents or illnesses
• Commercial automobile to help protect your fleet and commercial vehicles with flexible solutions
• Commercial umbrella for additional peace of mind by extending your general liability limits
• Professional liability  to help protect against lawsuits related to your products or services