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Commercial Markets

Commercial Lines Property & Casualty

Base Commission paid to Producers on Commercial Insurance policies and bonds placed with The Hartford vary and are based on a variety of factors, as described on our Producer Compensation Disclosure page. The historic ranges set forth below apply to ninety (90%) percent of Commercial Insurance policies and bonds written with us in 2010.

Type of Policy Base Commission Ranges
  Low High
Business Owners Policy 0% 18%
Commercial General Liability (including Umbrella) 0% 15%
Commercial Automobile 0% 15%
Workers Compensation 0% 13%
Inland and Ocean Marine 0% 15%
Fidelity 0% 20%
Surety Bond 0% 30%
Livestock 0% 20%
Flood 0% 20%
Hartford Financial Products* 0% 22%

Base Commission ranges shown are net of any policyholder service fees charged to the Producer. When applicable, such fees are generally 1% of the premium.

*Hartford Financial Products includes Directors and Officers' Liability, Employment Practices Liability, Fiduciary Liability, Professional Liability, and Transactional Risk.

Supplemental Commission
In addition to receiving a Base Commission, a Producer may also receive Supplemental Commission. For 2011, we project the rates of Supplemental Commission for 90% of the Producers who earn such commissions to range from 1% to 5%.

Contingent Commission
In addition to receiving a Base Commission, and in lieu of or in addition to Supplemental Commission, a Producer may be eligible to earn a Contingent Commission. Contingent Commission can be earned based on a Producer's performance with us over a specified period in the past, as described on our Producer Compensation Disclosure page. Contingent Commission paid for 2011 results are expected to range from 1% to 5% of eligible premium for 90% of Producers that are eligible.

Other Information
A special additional commission, typically not exceeding 8%, may be paid in connection with arrangements where we are provided with an opportunity to quote on all or a portion of a Producer's book of business, or we are placed in a group or list of preferred or strategic carriers to whom a Producer will provide greater quoting or sales opportunities.

As described in more detail on our Producer Compensation Disclosure page, individual Producers and customer service representatives may also receive other payments, benefits, and compensation, including individual incentive awards (usually $50 or less per new policy sold or $25 or less per quote).

Program manager fees, which may be based on a percent of premium, may also be paid to Producers, including on business placed with us by other Producers.

For additional information about compensation relating to your policy, please contact your Producer.