Insurance solutions for businesses
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Business owner's policy

End-to-end business coverages

Our insurance solutions for business owners offer protection from a wide variety of risks. 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:

Three Column

Property insurance

Property insurance

Protect your building, furniture, equipment and other valuable assets from natural disaster, theft and other damage.

General liability insurance

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

Loss of income and extra expense

If your business can't open because of damage from a natural disaster or other covered property damage, we offer protection that will reimburse you for loss of business income.

Data breach

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

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.

Property insurance

Property insurance

Protect your building, furniture, equipment and other valuable assets from natural disaster, theft and other damage.

General liability insurance

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

Loss of income and extra expense

If your business can't open because of damage from a natural disaster or other covered property damage, we offer protection that will reimburse you for loss of business income.

Data breach

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

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.

Bundled 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

Workers' compensation

Provide your employees a financial safety net for work-related accidents or illnesses

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Commercial automobile

Commercial automobile

Help protect your fleet and commercial vehicles with flexible solutions

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Commercial umbrella

Commercial umbrella

Extend your general liability limits for additional peace of mind

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Professional liability

Professional liability

Help protect against lawsuits related to your products or services

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Services for small businesses

Our underwriting, claims, and risk management professionals have many years of experience providing valuable services for policyholders.

Risk Solutions

Risk Solutions

The Hanover offers a variety of tools and resources, as well as the services of a network of preferred service providers, to help you mitigate the risks faced by small businesses.

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Claims

Claims

Our industry-leading claim services and 24/7 reporting help you get back to business quickly. If you ever need to make a claim, you'll be glad you have The Hanover.

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Featured resources

Get safety and insurance articles, videos, infographics and more to help keep your business and property safe, and guide you through the insurance-buying process.

Learn more about insurance 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.