top of page
Hartford logo-color.png

Fast Facts for Small Business Owners 


All Seasons Insurance and The Hartford offer business & personal services to fuel your company's growth.


All Seasons Insurance offers excellent coverage when you’re in the services business. The stakes are high – especially today. Consumers not only have more money to spend on services, they’re demanding higher levels of accountability. Consultants and Business Management firms are competing for bigger projects, often with higher risks. It all adds up to greater opportunity for you. 

Write the Right Type of Protection

The Business & Personal Services industry is not only one of the fastest growing sectors, it’s one of the most diverse – everything from accountants to veterinarians, beauty shops to photographers. You can tailor a business insurance program that helps address your unique industry needs. For instance, as an accountant, by adding a Professional Liability endorsement, you can help protect yourself if you make a mistake on a tax return. 

A Full Spectrum of Endorsements 

Tailoring The Hartford’s BOP to meet your Business & Personal Services customers’ needs is simple. In addition to a robust base form, we offer a wide-range of optional coverages for a program that’s a more custom fit. Here are examples of coverages Business & Personal Services customers are buying. Some of these optional coverages are included in our Stretch endorsements.

Screen Shot 2018-09-19 at 11.45.43

Worker's Compensation

The Business & Personal Services industry is a people business. Your customers want their employees to receive the care they need if they get sick or hurt on the job. It’s why for more than a century, The Hartford’s Workers’ Comp program has set the standard for value, innovation and injured worker care. Our claim management programs promote better outcomes and help return employees to work quickly. This helps keep medical costs low, which could have a positive impact on future premiums. 

And don’t forget our Broad Form endorsement, which is added to all Workers’ Comp policies, at no additional cost. It includes 6 additional coverage features that make it easy for you to quote and sell value. 

Business Auto 

Our Business Auto coverage is another example of the superior value we deliver to you. Our Broad Form endorsement is included on all policies and features 19 coverage enhancements. In addition, our Fender Bender and Accident Forgiveness Programs reward customers for making safe choices, which may help control premium costs. 

1 This is not intended as an exhaustive list of available endorsements. Should your customer need others, additional endorsements are available in ICON, or call your Hartford Representative with questions. 

2 Our Professional Liability endorsements are not available to all classes or in all states. Talk with your Hartford representative for details. 

3 Included in base Spectrum Business Owner’s Policy 

This document 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. Coverage is subject to the policy terms and is individually underwritten. 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 Hartford® is Hartford Fire Insurance Company and its affiliated property and casualty insurance companies, Hartford Plaza, Hartford, CT 06155. 

Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. 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. 

bottom of page