The Hartford

In a world where lawsuits are a common occurrence, having added liability coverage for your profession or business isn’t just smart—it’s a necessity. That’s why The Harford has a full suite of dedicated Management & Professional Liability policies. To give you or your organization an added layer of protection for your specific responsibilities and exposures. From lawyers and architects to non-profits and private companies, we have a full range of specialized coverage options that are custom tailored to protect a your unique needs.

Minimize exposure to damaging claims and high-risk situations with protection you can count on from The Hartford.

For more on Management & Professional Liability coverage, see Details and Services. 

All coverages and services may not be available for all businesses or in all states.  For details on what coverages and services are available to you, contact your agent at The Hartford today. 

This site outlines in general terms the coverages and services that may be afforded under a Hartford policy. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc.

Everyday, companies and individuals find themselves under attack from customers, shareholders, staff and the public. Whether you’re an executive, an organization or an individual performing your professional duties, don’t leave yourself vulnerable to these attacks.

The Hartford offers a full line-up of specialized Management and Professional Liability coverage options created especially with your career or business in mind.  We offer policies that can help companies and individuals defend against common claims such as negligence or misrepresentation.  Options specific to professionals such as Lawyers and Accountants. And coverages to protect private and non-profit companies from numerous types of claims and financial losses.

Feel confident you’ll be prepared for whatever comes your way with Management & Professional Liability insurance from The Hartford. All options may not be available for all industries or in all states.   All coverages and services may not be available for all businesses or in all states.  For details on what coverages and services are available to you, contact your agent at The Hartford today.

Management Liability Coverage

Directors and Officers Liability (D&O)

Protects directors and officers of public, private and non-for-profit corporations against loss (damages and defense cost) arising out of their status or conduct. Common claims allege breach of duty, security law violations and unfair competition.

Employment Practices Liability (EPL)

For claims arising out of employment practice disputes, this coverage protects individuals and companies from resulting damages and defense costs. Common claims allege discrimination, sexual harassment wrongful termination and wrongful discipline.

Fidelity (Crime) Insurance

Offers organizations protection against loss of money, securities or other property resulting from theft. Common claims include employee dishonesty, forgery, robbery, wire transfer fraud and other such criminal acts.

Fiduciary Liability

Protects fiduciaries (as defined by ERISA) against loss (damages and defense cost) arising from the administration and management of employee benefit and pension plans. Common claims allege ERISA violations, negligent advice, and careless plan management.

Kidnap/Ransom & Extortion (K&R)

Can provide reimbursement for ransom monies paid in the event of a covered kidnapping or extortion event. Companies who ask employees to travel overseas for business purposes often purchase this insurance at minimal cost to protect employees and their guests during such travel and business related activities at home or abroad.

Professional Liability Coverage

Accountants Professional Liability

Designed for small to medium private accounting firms (1 to 50 professionals) including CPAs, public accountants, enrolled agents, tax preparers, bookkeepers and other accounting professionals. Each policy can be customized to the specific needs of each accounting firm.

Cyber Liability

Even the most traditional "brick and mortar" enterprise is reliant on technology for day-to-day operations. Protects information assets from a variety of risks including computer viruses, malicious code and hardware theft. To make sure businesses can continue their day-to-day operations and run smoothly.

Employed Lawyers Liability

In-house attorneys face several perils when working for a company. Whether working for large or small, public or private, for profit or non-profit organizations, in-house attorneys are called upon to provide legal opinions on a wide array of business matters.

Financial Services Liability

Professional liability and directors and officers liability insurance is essential for sophisticated insureds. Even companies with advanced risk management practices still request this coverage, as laws and regulations governing their business practices often change faster than their business can.

Home Inspectors Professional Liability

Designed for residential home inspector firms with 1 to 5 inspectors. The program provides coverage which can be customized to the specific needs of each home inspection firm.

Lawyers Professional Liability

No two law firms are alike. And we understand that a sole practitioner has different coverage needs than a much larger firm. That's why The Hartford has developed three different professional liability products to meet the needs of any size firm.

Miscellaneous Professional Liability

Errors and omissions insurance has become an increasingly important component in almost every business transaction. Managerial decisions to award contracts are often contingent upon the presence of professional liability insurance from a highly rated and financially stable insurance carrier yet only 48% of buyers buy protection.

Private Equity Policy

Private Equity Fund and Management Liability and Professional Liability (E&O) coverage for private equity funds and venture capital funds. Comprehensive coverage for the fund(s), the general partner(s) and all affiliated entities.

Real Estate Professional Liability

Provides a full service solution for the Real Estate Errors and Omissions industry. The Select Solutions department of Hartford Financial products offers coverage for small to mid-size real estate firms with our Miscellaneous Errors and Omissions department responding to the needs of large, more complex brokerage firms.

Technology Professional Liability

One size does not fit all. One professional liability policy will not work for every tech company. Each tech company needs coverage that fits their unique business model. And not just their current business model, but also their future business model.

This site outlines in general terms the coverages and services that may be afforded under a Hartford policy. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc.

In addition to our extensive and customizable coverage options, The Hartford also offers a range of valuable services to our customers.

Minimize Risk. Prevent Loss.

Once you’re a customer of The Hartford, you’ll have the opportunity to benefit from our valuable risk management services. From individual consultations to educational seminars to discounts on safety equipment, we have the expertise and resources you need to run a safer, more productive, and ultimately more profitable business. With our staff of Loss Control professionals across the country, we’re ready and available to assist your business in developing and implementing effective measures to minimize your potential risks.

Efficient Claims Service When It Matters Most

When your business suffers a loss, nothing is more important than getting you up and running. With 12 regional claim centers staffed by knowledgeable claim professionals 24 hours a day, The Harford is focused on one thing: Your recovery. With The Hartford behind you, you’ll have the protection your business needs to succeed. And the dedicated support, resources and expertise you can rely on exactly when you need it most.

This site outlines in general terms the coverages and services that may be afforded under a Hartford policy. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc.
 

After over 200 years of helping businesses achieve what’s ahead, The Hartford has proven our commitment and dedication to doing right by our customers. We stand by our promises. And that’s something that you and your business can count on.

Why Choose The Hartford?

We're just not experienced in our business, we're experienced in helping protect yours.   As a result, we go beyond core coverage to provide specialized options and services unique to your industry, line of business and even size.   When you choose The Hartford, you’ll have a broad range of policies, endorsements and add-ons to tailor a coverage plan that speaks to your needs.   We are committed to providing superior customer service to support your business, every step of the way.

From critical business coverages and efficient claims handling to risk management, The Hartford will be by your side.