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:
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
Commercial automobile
Commercial automobile
Help protect your fleet and commercial vehicles with flexible solutions
Commercial umbrella
Commercial umbrella
Extend your general liability limits for additional peace of mind
Professional liability
Professional liability
Help protect against lawsuits related to your products or services
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.
Claims
Claims
