Business Owner’s Policy 

The Hartford

The AARP® Small Business Insurance Program from The Hartford offers flexible coverage to meet your unique business needs. The Hartford is committed to helping prepare and protect your business so that when the unexpected happens, you don’t just endure…you prevail.

Two Critical Coverages. One Convenient Policy.

The AARP Small Business Insurance Program from The Hartford offers The Hartford's Business Owner's Policy (BOP) which combines two critical business insurance coverages: business property and business liability. With one convenient policy, you're protected against fire, theft, lawsuits and more. In addition, you can purchase optional coverages, like business income or data breach, allowing you to tailor a policy that meets the unique needs of your business, today and as it evolves.

Key Coverages you should consider:

Business Income

  • Income loss is the primary reason most businesses do not open after a serious loss
  • 55% of small businesses report not having business income insurance1
  • Provides income for ongoing expenses while your business recovers

Optional Business Income for Off-Premises Utility Services

  • $3,000 a day is the median cost of downtime from a business affected by an extreme weather event 2
  • Optional coverage includes $25,000 coverage limit and a brief 12-hour waiting period after loss before coverage kicks in

Data Breach

  • 1 out of every 3 data breaches investigated in 2012 were from small businesses3
  • $188 per breached record was the average cost of a data breach in 20124
  • Endorsement includes access to resources to help prevent data breaches and specialized assistance to help if one occurs

Professional Liability

Helps protect your business from lawsuits claiming a negligent act, error or omission in the professional services you provide.

Why The Hartford

  • Choice of more than 1,000,000 small business owners
  • Flexible coverage & service options with cost effective packages
  • First class customer service with 24/7 access
  • More than 200 years of protecting small businesses

1Independent Agent Magazine, June 30, 2011; "How to Sell Business Income Insurance".

2Symantec's 2011 SMB Disaster Preparedness Survey.

3Percentage is approximate based on the Verizon 2013 Data Breach Investigations Report.

42013 Cost of a Data Breach Study, United States, Ponemon Institute LLC, Report Date: May 2012.

This contains only a general description of coverages that may be provided and does not include all of the features, exclusions and conditions of the policies it describes. Please refer to the actual policies for complete details of coverage and exclusions. In the event of a conflict, only the terms of an actual issued policy will prevail. Coverage may not be available in all states or to all businesses.

The AARP Small Business Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Co. and its property and casualty insurance affiliates. In TX, this insurance is written by Sentinel Insurance Company, Ltd., Hartford Casualty Insurance Company, Hartford Lloyd’s Insurance Company, Property and Casualty Insurance Company of Hartford, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Hartford Accident and Indemnity Company and Hartford Fire Insurance Company. In CA by Sentinel Insurance Company, Ltd. (CA license # 8701) and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.

AARP and its affiliates are not insurers. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states. Specific features, credits and discounts may vary and may not be available in all states in accordance with state filings and applicable law. Applicants are individually underwritten and some may not qualify. The program is currently unavailable in Canada and U.S. Territories or possessions.