What’s HOT with The Hartford Small Commercial:

Auto

• Currently Hartford has seen HUGE success in Commercial Auto
• Their auto appetite follows their General Liability appetite. Hartford can consider monoline on lower/moderate over-the-road exposures if fleet is between 2 and 25 power units.
  • Class of business needs to fit GL appetite as ultimately the opportunity to round out the account with other lines is essential
  • Classes like wholesalers/distributors, florists, janitors, dry cleaners that do pickup/drop off all require an additional line of business.
• To quote auto, please be sure to collect the business owner’s (or one of their senior level day-to-day manager’s) first name, last name, DOB, HOME address, title, and verbal approval that it’s OK for HIG to run their Personal Insurance Score.
• This is required to release a bindable quote
  Price flexibility available if needed

Spectrum BOP

• Admitted property across the state have been a sweet spot for Hartford SB. For help with prequalifying risks, you can work with Small Business Manager/Vice President Deirdre Sanford. She can be reached via e-mail at [email protected] or directly at 407-660-5901.
• If a property does not fit their admitted guidelines, you can obtain an E&S quote with Hartford. This line will be direct billed with the rest of your Hartford policies! Yes, DIRECT bill!

WC

• Dividends available ranging from 5% to 20% FLAT
• Payroll billing (pay as you go) options available regardless of what payroll provider is being used

Professional Liability

• Available standalone or via an endorsement on Hartford Spectrum form on over 60+ Classes of Business including but not limited to:
  • Accountants
  • Allied Health classes (see attached flyer)
  • Architects/Engineers
  • Audiologists/Speech language pathologists
  • Barber/Beauty Shop/Schools
  • Consultants
  • Dental Labs
  • Diagnostic Testing (non-invasive)
  • Dieticians
  • Fitness professionals
  • Florist Shops
  • Funeral Directors/Crematories
  • Med Spas
  • Optometrists/Optical Goods Stores
  • Pet Groomers
  • Printing Services
  • Real Estate Agents
  • Technology
  • Telemarketing Firms
  • Travel Agencies
  • Veterinarians

Management Liability

• Hartford provides coverage for private companies with up to 250 employees and $50M in revenue/assets and Nonprofit organizations with up to 50 employees, $5M in revenue or $100M in assets
  • Crime (non-liability)
  • Cyber
  • D&O
  • EPLI
  • Fiduciary Liability

Digital Servicing:

• Ranked #1 in overall digital capability for small business customers – 3 years running
• See below attachments

Message from Hartford Small Business:

“Thank you for choosing us to protect your Small Business Owners’ needs.
Winning in Small Commercial Isn’t About One Thing, It’s About Everything.”

Supplement Documents:

Everything Program
Hartford Success List
Keynova Study

If you have any questions about how to apply, reach out to [email protected]. If you are currently appointed and are ready to submit but have questions, reach out to Small Business Manager/Vice President Deirdre Sanford. She can be reached via e-mail at [email protected] or directly at 407-660-5901.

This content is strictly informational and should not be used as specific advice on insurance products, legal, accounting, and/or tax related matters. Insureds should always contact the appropriate licensed professional for their insurance, legal, accounting, or tax needs.