What Does Commercial Property Insurance from The Hartford Cover?

The Hartford's commercial property insurance protects an owned or rented building plus the tools and equipment used to operate the business, and can be bought stand-alone or as part of a BOP. ¹Company-reportedCommercial property product page as read 2026-09-23.

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-reportedCommercial 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-reportedCommercial 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-reportedCompany-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-reportedCommercial property product page as read 2026-09-23. Describes intake, not claim outcomes.