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National Accounts

Risk-Sharing Solutions

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From large retail chains to manufacturing plants and hospitals, The Hartford’s National Accounts team custom-designs business risk management programs to provide solutions to the risks and exposures today’s large businesses face.

Explore the Advantages 

Our dedicated team of experienced National Accounts professionals understands the risk management needs of each client and specializes in creating custom tailored solutions that seek to minimize the total cost of risk for large loss sensitive businesses. Our collaborative approach is distinct in its flexibility, transparency and consistency.


  • Claims handling
    We customize both bundled and unbundled loss sensitive insurance programs designed to address each client’s distinct issues and opportunities. Our clients have their choice of claim service provider from The Hartford ClaimPlus TeamSM or other industry-leading TPAs.

  • Rating plans
    We offer a variety of loss sensitive rating plans, from retrospective rated to large deductible and self-insured retention options. Additionally, we offer The Hartford’s Productivity Advantage which integrates disability, workers’ compensation and leave management to provide a customizable range of services to help clients achieve their goals and protect their bottom line.

  • Collateral
    We offer a variety of program structures which incorporate various types of collateral options, including letters of credit, cash funds held accounts and trust accounts.


We make transparency not just standard practice, but part of the contract. We spell out adjustments dates and loss sensitive development factors in the insurance program agreement.

Our @venture® RMIS (Risk Management Information System) provides a portal into all aspects of a client’s program, including policy, billing, service and claim information.


  • Single point of contact
    A dedicated National Accounts professional is responsible for serving a client before, during and after they partner with The Hartford. Clients have the benefit of working with an individual that they come to know and trust to effectively manage their risk management program.

  • Focus on long-term relationships
    We are committed to developing long-term relationships with all of our clients. We have clients that have been with us for more than 60 years. With our strength, you can partner with The Hartford with confidence.

Hartford National Accounts Products & Services

We have a singular focus on managing total cost of risk – premiums, retained losses, security, fees and taxes, outside services and risk administration. With this approach, large clients can receive a broad insurance solution from The Hartford.

Risk Financing (retention and transfer)

  • Coverages

    • Primary casualty: Workers’ compensation, general/products liability and automobile – underwritten by National Account specialists
    • Companion lines: Property, marine, bonds, D&O, E&O – underwritten by affiliated Hartford specialists
    • Group benefits: Disability, AD&D – underwritten by one of two Hartford issuing companies
  • Rating Plans

    • Large deductibles: standard, pre-funded, step-down, hybrid
    • Retrospective rating: incurred loss, paid loss
    • Self-insured retentions
    • Guaranteed cost for liability lines

Risk Control (bundled and unbundled)

  • Choice of The Hartford ClaimPlus Team or other industry-leading TPAs
  • Loss control – data-driven, results-oriented
  • @venture RMIS (download flyer)
  • Actuarial analysis

For more information on Hartford National Accounts, contact our National Accounts team at:

National Accounts

Middle Market Overview

Find out how the National Accounts team can help large businesses take a more active role in controlling their total cost of risk.

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Contact Us

For more information on Hartford National Accounts, contact our National Accounts team at:

TPA Services

The TPA Services team provides claim management and oversight services for The Hartford’s unbundled book of property and casualty business.

More on TPA Services