Commercial Insurance Program Solutions

Available Programs

The Hartford has a strong commitment to program business. Our broad appetite for risks, 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.

Specialty Programs
A program may be comprised of small, midsize to large businesses that focus around a class of business, higher-hazard exposure, a specific distribution channel, and/or difficult to place coverage.

• Open Access Programs
  Underwritten and managed by The Hartford, these programs offer a tailored solution for risks traditionally written by specialty or excess and surplus lines carriers.
• Administered Programs
  In partnering with The Hartford, you access the program through the Program Administrator. The Program Administrator has dedicated experience and expertise for the particular program and can help you craft an insurance package to meet the unique needs of the insured.

Captive Programs
The Hartford offers the knowledge of alternative markets, underwriting experience, products, and services to support different types of captives.

• Agency captives
• Association captives
• Group captives 

Livestock
The Hartford has been insuring livestock for almost 100 years. Our local underwriters and claims processors have extensive experience in the livestock industry. We understand the risks that livestock owners and producers must manage.

• Animal Mortality
• Confined Swine
• Equine Animal Mortality
• Feedlot, Pasture, and Dairy
• Livestock Auction Market or Packer
• Livestock Transit
• Ocean Marine
• Poultry or Hatchery

Learn more about Livestock Insurance

Our Suite of Specialty Open Access & Administered Programs

• Alarm Contractors
• Arborists, Tree Care Workers
• Equipment Dealers
• Elevator Contractors
• Excavation Contractors
• Limousine Operations
• Livestock
• Health Care Facilities or Long Term Care Facilities
• Maritime Employers
• Orthotics & Prosthetics Manufacturers, Retailers & Distributors
• Pool & Spa Manufacturers, Wholesalers, Distributors, Retailers & Service Contractors
• Railroad Contractors, Wholesalers & Manufacturers
• School Bus Contractors
• Security Guards 
• Septic Contractors
• Specialized Truck Equipment & Trailers– Distributors, Installers & Repair Mechanics
• Water Well Drillers