The Hartford Commercial Property Insurance

The Hartford says any business that owns, rents or leases a building needs commercial property coverage, and names beauty salons, consultants, photographers, retail stores, restaurants and technology firms as common buyers; coverage also extends to leased or rented property, not just owned buildings. ¹Company-reported. Commercial property product page as read 2026-09-23.

The Hartford says the policy covers losses from fire, burglary, theft, wind and lightning to a business's building, equipment, tools, inventory, furniture and personal property, and includes business interruption coverage for lost income during repairs. It explicitly excludes a customer dropping their own laptop, an employee's accidental interior damage to a client's property, vehicle accidents, and nearby flooding from a natural water source. ¹Company-reported. Commercial property product page as read 2026-09-23. General coverage description; the issued policy controls.

The Hartford's customers pay about $1,605 a year on average for commercial property insurance, and deductible amounts can range from a couple hundred to a few thousand dollars, chosen by the buyer; a higher deductible generally lowers the premium. ¹Company-reported. Company-reported average and deductible range as of 2026-09-23; not a specific quote.

The Hartford lets buyers file a commercial property claim online or by calling 800-327-3638. ¹Company-reported. Commercial property product page as read 2026-09-23. Describes intake, not claim outcomes.