COMMERCIAL AUTO INSURANCE
Business Auto
Insurance Makes Your
Business a Priority
Your business deserves high priority protection, and that’s just what The Hartford’s commercial auto Insurance does. It provides coverage for you, your employees and the vehicles you own, lease, rent or borrow – on the road and off. More importantly, it can help prevent an accident from damaging your bottom line.
Whether you’re operating a single vehicle or a fleet, The Hartford offers you ways to help protect your company, manage risks and help control your costs.
Putting the Brakes on Damages
An automotive mishap can expose your business to complex high exposure, putting its assets at risk. Without the right commercial vehicle insurance coverage, you as the business owner may even find yourself personally responsible.
Meanwhile, the loss of cars, vans, trucks or specialty vehicles can hamper your ability to operate your business, threaten hard-won customers and hurt business relationships. Accidents can damage your reputation, and put in question your concern for employee and public safety.
So, don’t let a split-second bout of bad luck put a business that took years to build in jeopardy.
Extra Protection. No Additional Cost.
The Hartford commercial auto insurance offers extra protection your business may require at no additional cost, including:
Hired Auto Physical Damage
Hired or borrowed vehicles can be covered for up to $100,000 for physical damage – as long as these vehicles have liability coverage, and your vehicles carry physical damage coverage.
Hired or borrowed vehicles can be covered for up to $100,000 for physical damage – as long as these vehicles have liability coverage, and your vehicles carry physical damage coverage.
Lease or Loan Gap Coverage
When there’s a gap between the value of the vehicle and the amount owed to the lien holder, this coverage fills that gap.
When there’s a gap between the value of the vehicle and the amount owed to the lien holder, this coverage fills that gap.
Electronic Equipment Coverage
Now popular electronic devices like a GPS or DVD player are covered, up to $1,500 – as long as these devices are permanently installed.
Now popular electronic devices like a GPS or DVD player are covered, up to $1,500 – as long as these devices are permanently installed.
Efficient Claim Service
If you have an accident, a team of people from one of our many claims service centers will swing into action. They’ll expedite your claim, carefully evaluate complex business exposure, and handle the details. Programs and services are available to mid-size and large businesses.
If you have an accident, a team of people from one of our many claims service centers will swing into action. They’ll expedite your claim, carefully evaluate complex business exposure, and handle the details. Programs and services are available to mid-size and large businesses.
Programs and Services available to mid-size and large businesses:
FleetAhead
This program uses telematics and real-time data to help fleet owners identify risk and prevent accidents. Participating companies can get a 15% discount on their premiums.
This program uses telematics and real-time data to help fleet owners identify risk and prevent accidents. Participating companies can get a 15% discount on their premiums.
Loss Control
We provide fleet owners in-depth analysis of your company’s driver safety records, and help you pinpoint root causes of accidents and formulate preventative strategies.
We provide fleet owners in-depth analysis of your company’s driver safety records, and help you pinpoint root causes of accidents and formulate preventative strategies.
The Principles of 3D Driving
The Hartford’s loss control organization can help you instruct your drivers in the techniques of 3-D Driving: Drive Decisively. Drive Defensively. Drive Dependably.
The Hartford’s loss control organization can help you instruct your drivers in the techniques of 3-D Driving: Drive Decisively. Drive Defensively. Drive Dependably.
COMMERCIAL FLOOD INSURANCE
If You Own
a Business, Flood
Insurance is Right for You
The Hartford
is a Smart Choice
You work hard to build your business and make it a success. After all, your business is more than a dream – it’s your legacy. So you protect it with business property, liability and other insurance coverages.
But what about protecting your business with flood insurance?
Flooding can occur anytime, anywhere. Even in the most unlikely places. And it’s caused by more than just heavy rainfall. Melting snow and hurricanes can cause flooding, too. New construction is also a contributing factor during heavy rainfall.
One of the smartest ways you can help protect your business is with flood insurance from The Hartford through the National Flood Insurance Program (NFIP). And it’s easy to get a quote. Simply contact a local agent who represents The Hartford. Or, call 1-800-296-7542 and talk with one of our highly trained flood insurance specialists. We’ll be happy to answer your questions and assist you in adding this valuable protection.
Flood insurance FAQs
I have property insurance for my business. Why do I need a flood policy, too? Most property and business owner policies don’t cover damage caused by flooding. Check your policy. If it doesn’t cover flood damage, you should consider adding a flood policy.
What does flood insurance cover?With a standard policy, you can protect against damage to:
- The building
- Its contents
- Or both
Depending on your needs, you may decide to insure both to protect:
- Structural elements, such as walls, floors, equipment and fixtures
- Business property, such as inventory, furniture, and wall and floor coverings
(This is a partial list for general guidance purposes only. For a complete list of coverages, refer to your policy or talk to an agent.)
What steps can I take to increase the chances that my business will reopen after a disaster like a flood?Having the right amount and type of insurance protection, including flood insurance, can help your business get back on its feet after a disaster. Having a disaster preparedness plan can also help your business to weather the storm.
Consider this: After a disaster, an estimated 40% of businesses don’t reopen. Of those that do reopen, 25% fail within one year. Small businesses are especially vulnerable, often simply because they often don't have the time or resources to put into creating a comprehensive preparedness plan.1
A tropical storm is headed toward my state in a few days. If I get a flood policy today, will my business be covered for damage caused by that storm?No. Typically, there’s a 30-day waiting period on new flood policies. So it’s important to buy a flood policy before a storm is headed your way.
Will my flood insurance policy be backed by the federal government? Yes. The Federal Emergency Management Agency (FEMA) manages the National Flood Insurance Program. And insurance companies in the U.S. that offer flood coverage do so through this federal program.
Why should I buy flood insurance through The Hartford?With more than 30 years of experience offering flood insurance, we understand the risks and consequences of flood damage on your business. Plus, for more than 200 years we’ve helped our customers prepare and prevail through losses.
Tips and tools to help you prepare for the unexpected
Do you know what you would do in an emergency? Being prepared can mean the difference between staying in business and closing your doors.
The Hartford can help. Visit our Catastrophe Information Centerwhere you’ll find important resources to help you plan and prepare for a disaster.
The National Flood Insurance Program provides several useful tools at FloodSmart.gov to help property owners protect themselves against flood damage.
- Calculate the cost of flooding
- Consider different flood risk scenarios
- Watch video testimonials
COMMERCIAL PROPERTY INSURANCE
Fire, Theft, Broken
Equipment – No Sweat- When a fire, theft or another type of disaster strikes, you need more than just insurance protection. You need help, fast. That’s exactly what The Hartford is here for.
Broad Protection
Business property insurance from The Hartford can help protect the property your business owns and leases, including things like medical equipment, inventory, furniture and fixtures. We also include coverage for things you may not have thought of, like protection for your accounts receivable records and or computers and media. There’s even an option that can help replace lost income when your operations are suspended and can no longer operate due to a covered loss.Commercial Property Coverage Tailored for You
No two businesses are exactly alike. With our flexible coverage options, you can tailor coverage specifically for your business’ unique needs both today and as your business evolves.And, many of the commercial property coverages we offer as optional can be bundled into cost-effective packages giving you the best value for your insurance dollar.Risks Stop Here
The best disasters are the ones that never happen. It’s why The Hartford has developed a loss management discipline that helps mid-size and large businesses foresee risks and avoid the most common causes. We have specialists in fire safety, disaster planning and industry specific risk reduction techniquesThe Fast Track Back
In the unfortunate event your business property is damaged, we do everything possible to get your business up and running as quickly as possible. We’ll engage a team of experts to help streamline the process and expedite your claim. We have more than 60 specialists around the country who are authorized to settle large losses. A separate set of teams are specifically trained to help your business when catastrophes like hurricanes, blizzards, severe hailstorms or other disasters strike. - Lewis Insurance
2525 S. Lamar Ste 11
Austin, TX
78704 - www.nationwide.com/joshlewis
www.austinhealthbrokers.com
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