Comprehensive Product Offerings in One Place for the Business and Professional Services Industry
We offer comprehensive coverage offerings that your agent or broker can customize to meet your business’ specific needs.
Our coverages include:
Property Choice® helps protect your companies’ buildings, facilities, and business equipment. You can work with your agent or broker to customize coverage to fit your specific needs. Property Choice includes valuable Coverage Extensions such as:
- Accounts Receivable
- Direct and Indirect Contingent Business Income
- Utility Services Interruption
- Business Travel – Business Personal Property
- Fine Arts
- Miscellaneous Unnamed Premises
Optional additional coverages are available such as Cloud Computing Services, Professional Employee Replacement Expense, and Business Personal Property at Remote Worker Locations.
General Liability Choice® to help protect against claims of bodily injury and property damage. Our policy provides broader coverage than the industry standard. So, you’ll benefit from:
- An extended 180-day grace period for coverage for new companies you acquire or create
- Additional insured status, which is automatically granted when required under a written contract
- Primary, non-contributory status for additional insureds with whom you agree in writing
Workers’ compensation insurance (WC insurance) broad form endorsement, which we include at no additional cost, can help protect against unknown or unanticipated exposures that are not typically covered by a standard policy. In fact, our policyholders had an average of 60% in savings on every medical bill through our specialized claims services.2
Our return-to-work program can help your employees recover from injury and get back to work faster. And we also offer optional coverages to increase employers’ liability limits and waiver of subrogation.
Cyber liability insurance to help your business prepare for, respond to and recover from a cyberattack or data breach. Our all-in-one solution helps cover a broad range of risks and includes a suite of services to help you stay protected.
Miscellaneous professional liability to help protect against financial loss to an Insured resulting from actual or alleged professional negligence in their performance of covered professional services to others.
Our coverage includes:
- A limit of up to $5,000,000
- 50/50 softened hammer clause
- Punitive damages, where allowed by law
- Personal injury coverage, including mental anguish or emotional distress
- Subsidiary coverage
- Disciplinary proceedings coverage
- Defense for fraud, dishonest or intentional acts
Umbrella and excess liability coverage for general liability, auto and employer’s liability policies. We offer up to $25 million in limits.
Multinational Choice, which helps protect your professional services business from losses and claims in over 200 countries. This may be an important coverage even if you don’t have a location outside the U.S. or employees traveling abroad. Regular business insurance policies may not cover claims in foreign countries.
Identifying Risks in the Business and Professional Services Industry Before They’re a Problem
Our risk engineering team can help find and mitigate issues before they become a problem for your business.
Our technical specialists use a variety of resources to help make your business safer, including:
- Business continuity planning
- Emergency preparedness
- Ergonomic evaluations and training
- Advice on contractual risk transfer
- Access to on-demand training and tools for risk management
Exceptional Claims Service Meant for the Business and Professional Services Industry
We know how to handle claims. Our claims team manages costs through the use of a timely and proactive approach to resolving claims. Whenever possible, the team:
- Avoids court
- Limits publicity
- Assigns an experienced counsel
With our claims specialists and resources, we’re here to help achieve better outcomes for your business and professional services employees. We offer:
- Exceptional medical management with an average savings of 60% on medical bills2
- Vigilant return-to-work program with an outcome-based network of 1M+ medical providers.
- Predictive modeling, which has provided over 50 million insights annually – and counting.
Unique Offerings for Larger Professional Services Businesses
Track Risk. Explore Opportunities. (TREO)SM
Our risk management information system is designed to simplify claims management and help lower loss costs.
ClaimPlus Team®
A team of professionals who work with you to address your operations and risk exposures.
Specialized Insurance
We make it our business to figure out how to best support our customers, which means fully understanding your needs and risks. You can work with your agent or broker to create a customized insurance policy with specialized coverage for your business.
Why The Hartford
1 Financial ratings as of December 31, 2019.
2 Reported results are based on The Hartford’s past performance and are not a guarantee of future results. Individual account results may vary from the average.
Foreign local policies are underwritten by locally licensed third-party foreign insurers within The Hartford Global Insurer Network but are not related with The Hartford by ownership. Exporters and CMP policies are underwritten by Hartford Fire Insurance Company in the U.S. and issued to the U.S.-based insured, covering its financial interest relating to its exposures located outside of the U.S. Generally, claims under foreign local policies will be adjusted and paid locally by the local insurer with The Hartford providing oversight and serving as the U.S. insured’s point of contact in the U.S. Claims under the Exporters and CMP policies will generally be handled in the U.S. and paid to the U.S. insured in accordance with the terms and conditions of the policies. The Hartford may contract with third-party risk consultants to perform risk engineering services outside of the U.S.
Not all coverages are offered in all jurisdictions and no coverage may be provided in some jurisdictions where restricted by law. All policies should be read carefully to identify all exclusions, limitations, and other terms and conditions. In the event of a conflict between any policy and this document, the terms and conditions of the policy shall control.