The Right Products for Markets of Every Size
Whether it's a small, midsize or large business, our industry-leading products and service capabilities make it easier for commercial insurance agents to grow their book of business while servicing more customers, more thoroughly.

Small Commercial Businesses

Small commercial insurance represents a significant growth opportunity. The Hartford combines industry-leading products, like our Spectrum® BOP available for roughly 800 classes of business, with local sales reps and underwriters committed to helping you protect your customers.
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Midsize & Large Businesses

From standard products like Workers' Compensation and Property to specialized coverages like Marine and Loss Control, The Hartford can help commercial insurance agents properly protect midsize and large businesses.
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Captive & Specialty Programs

The Hartford has a strong commitment to program business. Our broad risk appetite, ability to write higher hazard exposures, the flexibility to create a specific coverage for a program, and expertise in risk-sharing partnerships makes The Hartford the right partner for program business.
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Commercial Insurance Agents in the Small Commercial Market

When it comes to selling small business commercial insurance, speed and accuracy are of the essence. We provide small business commercial insurance agents access to some of the broadest and most robust product offerings available, including:

Spectrum® Business Owner's Policy – We were one of the first carriers to offer a BOP package.
Endorsements tailored by industry: Stretch^® and Super Stretch^®
E&O for small technology companies
Lawyers Professional Liability
Technology Professional Liability
Workers' Compensation insurance* and pay-as-you-go workers' compensation premium payment solutions
Commercial Auto insurance
Umbrella insurance

Learn more about The Hartford’s small commercial insurance solutions.

Commercial Insurance Agents for Midsize & Large Businesses

The Hartford’s broad appetite and dedication to exceptional service empower you to provide your customers with solutions that fit. From standard products like Workers' Compensation and Property to specialized coverages like Marine, The Hartford can help commercial insurance agents properly protect midsize and large businesses. Our knowledgeable underwriters and specialists will work with you to help you provide your customers with comprehensive insurance solutions, and our loss control and claims specialists will be there for them when they need us.
Some of our midsize and large business industry insurance solutions include:

Some of our product and service solutions for midsize and large businesses include:

Learn more about The Hartford’s midsize and large business insurance solutions.
Learn more about The Hartford’s national accounts solutions.

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Education Solutions

Maximize your potential through training, programs, and continuing education.
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Business Coverage

The Hartford's Business Owner's Policy (BOP) 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 allowing you to tailor a policy that meets the unique needs of your business, today and as it evolves.

Business Property Insurance

The Hartford's property insurance can help protect the property your business owns, leases or rents, including things like buildings, equipment, inventory, furniture and fixtures. It provides coverage for damaged computers and media and loss of accounts receivable records.

Business Liability Coverage

When it comes to liability protection, the broader the coverage the better. That's why The Hartford's BOP provides business liability insurance that covers your business in the event your business is responsible for causing harm to a person and/or damage to property. It also helps cover the cost of your defense.

Loss of Business Income

If unexpected events cause your operations to be suspended due to a covered cause of loss, The Hartford's BOP will help replace any loss of income to help you meet your continuing financial obligations such as rent or payroll.

Data Breach Coverage

Offered as an optional coverage, data breach coverage provides you with access to professionals who can help you comply with regulatory requirements, provide guidance on how to help prevent a data breach and handle a breach crisis if one occurs. Response expense coverage can help to quickly restore confidence in your business or practice through notification to impacted individuals and can help pay for good faith advertising expenses, for example. In most states, coverage is also available for defense and liability expenses in the event you're sued because of a breach.

Employment Practices Liability Insurance (EPLI)

If you're a business that has employees, then you probably need insurance that helps protect you from employment related claims resulting from alleged or actual acts of:

Discrimination
Harassment
Retaliation
Violation of the Family Medical Leave Act
Wrongful discipline
Wrongful failure to promote
Wrongful termination

The Hartford's BOP automatically includes EPLI coverage, usually with a limit of $10,000* which helps protect you from the types of claims above. To help make sure that you have an insurance program that that's "just right" for you, we give you the flexibility to increase the amount of EPLI coverage that is automatically provided.
*EPLI is not available in every state, including CA, and may not be available in limits of $10,000 in states where coverage is offered.

A Strike Force for When Disaster Strikes

When your business suffers a loss, nothing is more important than getting you back up and running. We have several regional claim centers staffed by claims professionals who specialize in property and liability claims, and our catastrophe team swings into action after natural disasters like hurricanes and earthquakes.
With The Hartford behind you, you'll have the protection you need to help get you back in business quickly after a loss. And you can feel confident that you'll have the dedicated support, resources and expertise when you need it most.

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Current Customer?

Business Insurance CustomersPay a bill, file a claim, request a certificate of insurance and more.

Visit the Online Business Service Center

Broad Coverage for Small Business

A Business Owner’s Policy (BOP) can protect your business and save you money.
Visit our eGuide to learn the basics

Reputation is Everything

Protect your business with data breach coverage from The Hartford.
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Employment Practices Liability Insurance

Protect your business from employment related claims.
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Customer Testimonials
Real customers share their experiences with The Hartford.

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Workers' Compensation

Crucial Coverage.
Competitively Priced.

Business Coverage

If an employee gets sick or injured on the job, your first instinct is to say, "What can I do, how can I help?"
Workers' compensation insurance from The Hartford provides statutorily required coverage for work-related injuries and includes rehab and lost wages. In the worst case, it provides a deceased worker's family with a financial benefit.

Working Knowledge of Workers' Compensation Insurance

The idea behind workers' compensation is simple. It's a no-fault insurance program. As an employer you pay for workers' compensation insurance and in return your business is covered for work-related accidents.
Workers' compensation insurance is required by law in almost every state. Each state's rules and requirements vary significantly. We can help you handle these and other details.
Workers' compensation coverage from The Hartford can help pay for doctor, medical and hospital bills. It will help make up for lost wages and cover rehab and other expenses. The Hartford will work with you and your employee to return them to work as soon as reasonably possible; or if necessary, to other transitional work, and may include training with new skills. If your employee can't return to work, it will pay a long-term benefit. Or, if an employee dies due to a work related accident, it will pay an insurance benefit to their family.

Experienced Claim Handling; Nationwide Reach of Care

Your business counts on the talents, initiative, and intelligence of your employees. They give you their best, and if they get hurt on the job, you want to give them the chance to recover and get back to what they do best. We agree. That's why we give your employees access to experience, caring professionals:

Excellent Claim Service: You'll get help when you need it most, from a knowledgeable staff ready and waiting for you at our several regional claim centers.
Preferred Medical Provider Network: Your employees can tap our nationwide networks which include more than 500,000 doctors, experienced at treating workplace injuries.
Pharmacy Benefit Management: There are more than 53,000 participating pharmacies throughout the US that can fill prescriptions, usually with no out-of-pocket expense for the injured worker. The convenience of mail order service is just a phone call or click away.
Nursed Back to Health: The Hartford provides nurse case managers with in-depth medical expertise to help coordinate care, treatments, physical, emotional and occupational therapies.
Team•Work: Working with the injured employee, the nurse case manager, employer, claims handler and all involved parties, we help put together a plan to help injured employees find appropriate transitional duties that fit their current abilities.
Negotiated Network Rates: We'll negotiate the best rates possible and then make sure appropriate discounts are applied for all treatment with network providers.
Needlestick Reimbursement Program: For healthcare practices, this program covers payment for initial testing of your employee and, when the source patient is known and consents, reimburses for testing the source patient. Reimbursement for testing the source patient is not a benefit offered by all companies.

More on Needlestick Program
Pay-as-You-Go Billing Solutions: Our pay-as-you-go billing solution bases charges on real-time payroll numbers. That helps make workers' compensation premium payments more manageable by reducing large premium down-payments, eliminating billing charges, and helping to avoid surprises during audits.

Find a Local Agent

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Have someone from The Hartford contact me

Existing Customer?

Online Service

Pay a bill, file a claim, request a certificate of insurance and more.
Visit the Service Center

Workers' Compensation Claims

Find a medical network provider

Workers' Comp eGuide

The definitive guide you can actually understand.

Workers’ Comp eGuide

Customer Testimonials

Real customers share their experiences with The Hartford.
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Loss Control Services

Our Loss Control Team is committed to helping you prevent and control loss exposure.

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Learn how Loss Control can help your business

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Commercial Auto Insurance

Auto Insurance
That Makes Your
Business a Priority

Business Coverage

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 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.
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.
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.
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.

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.
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.
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.

Find a Local Agent

Find a small business agent
Find a midsize business agent
Have someone from The Hartford contact me

Current Customer?

Business Insurance CustomersPay a bill, file a claim, request a certificate of insurance and more.

Visit the Online Business Service Center

Customer Testimonials

Real customers share their experiences with The Hartford.

Watch video

Commercial Auto 101

Our eGuide makes commercial auto insurance easy to understand.

Business Auto eGuide

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Commercial Umbrella Insurance

Shield Your Business From
an Unexpected Rainy Day

Business Coverage

Seems like the sky's the limit when it comes to legal settlements. The number of lawsuits filed against companies and the size of the settlements are on the rise.
Chances are the amount of liability protection from your general liability insurance, commercial auto insurance and employer's liability policy may not provide enough financial protection. This can leave your business open to risk and make your assets vulnerable.
Open a Commercial Umbrella Policy from The Hartford. It can increase your liability protection when a lawsuit maxes out the limits of your current coverage.

Affordable Protection from Unexpected Risks

These days' lawsuits seem to pop up from the most surprising places. An employee driving their own car to a meeting accidentally strikes a pedestrian, and you get sued. A patron slips and falls and injures themselves while exiting your business, and you get sued. An advertisement lists the wrong number, causing thousands of annoying phone calls at an unrelated business, and you get sued.
An umbrella policy from The Hartford can help by providing increased limits of financial protection to your business from unexpected risks – and it's surprisingly affordable. That's because the underlying policy limits are used first and your umbrella coverage limits only kick in after those policies have reached their limits.

Opening an Umbrella Has Never Been Easier

Doing business with The Hartford is incredibly easy. When you have an umbrella policy with The Hartford, you'll receive a single, simplified bill that combines all your business insurance policies together.

Our Umbrella Bends To Meet Your Needs

The Hartford's Umbrella Policy gives you flexible coverage. So flexible, you can even use it to extend the liability coverage of policies you may have with other insurance companies.

Find a Local Agent

Find a small business agent
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Insurance 101

Check out our eGuides for answers to your questions about coverage, claims, costs and more.
Workers’ Comp eGuide
Business Owner’s Policy (BOP) eGuide
Commercial Auto eGuide

Customer Testimonials

Real customers share their experiences with The Hartford.

Watch Videos

Monday, December 10, 2012

Commercial Insurance

Small Commercial Businesses

Midsize & Large Businesses

Captive & Specialty Programs

Commercial Insurance Agents in the Small Commercial Market

Commercial Insurance Agents for Midsize & Large Businesses

Join Us

Log in to EBC

Education Solutions

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Business Coverage

Business Property Insurance

Business Liability Coverage

Loss of Business Income

Data Breach Coverage

Employment Practices Liability Insurance (EPLI)

A Strike Force for When Disaster Strikes

Find a Local Agent

Current Customer?

Broad Coverage for Small Business

Reputation is Everything

Employment Practices Liability Insurance

Customer TestimonialsReal customers share their experiences with The Hartford.

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Workers' Compensation

Crucial Coverage.Competitively Priced.

Business Coverage

Working Knowledge of Workers' Compensation Insurance

Experienced Claim Handling; Nationwide Reach of Care

Find a Local Agent

Existing Customer?

Workers' Comp eGuide

Customer Testimonials

Loss Control Services

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Commercial Auto Insurance

Auto Insurance That Makes Your Business a Priority

Business Coverage

Putting the Brakes on Damages

Extra Protection. No Additional Cost.

Programs and Services available to mid-size and large businesses:

Find a Local Agent

Current Customer?

Customer Testimonials

Commercial Auto 101Our eGuide makes commercial auto insurance easy to understand.Business Auto eGuide

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Commercial Umbrella Insurance

Shield Your Business From an Unexpected Rainy Day

Business Coverage

Affordable Protection from Unexpected Risks

Opening an Umbrella Has Never Been Easier

Our Umbrella Bends To Meet Your Needs

Find a Local Agent

Insurance 101

Customer Testimonials

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Customer Testimonials
Real customers share their experiences with The Hartford.

Crucial Coverage.
Competitively Priced.

Auto Insurance
That Makes Your
Business a Priority

Commercial Auto 101

Our eGuide makes commercial auto insurance easy to understand.

Business Auto eGuide

Shield Your Business From
an Unexpected Rainy Day