At The Hartford, we believe that people should live confidently. We understand your issues and your concerns. We pride ourselves in taking a thoughtful approach to meeting your insurance protection and risk management needs. Here are some examples:
- Start Small. Think Big.
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If you're starting a business, we can help you protect what's important to you.
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If you're starting a business, we can help you protect what's important to you.
Like many budding entrepreneurs who are starting a business, chances are that you're an expert in your chosen field. But starting a business means learning about different fields that may be unfamiliar to you, like marketing or finance. Fortunately, there are professionals who can help you, including your attorney and accountant.
It's a good idea to work with an insurance agent when you're starting a business. It may be helpful to have one agent who can handle all of your insurance needs, which may include:
- Business property insurance
- Liability insurance
- Workers compensation insurance (if your business has employees)
- Disability coverage
- Auto coverage for company vehicles
- Getting married?
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Your marital status can affect your insurance coverage, including your auto and homeowners policies.
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Your marital status can affect your insurance coverage, including your auto and homeowners policies. Make sure your coverage matches your needs as a new couple.
When you’re thinking about marriage, insurance may not be one of the first things that come to mind. But if you're considering marriage, insurance is an important financial consideration.
If you’re planning to get married or are a newlywed, it’s a good time to reassess your coverage. In some cases, you may be able to save money on your policies. You also want to ensure that you’re adequately covered so that you start your new life together as safely and securely as possible.
- Property Insurance for your Business Assets
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Theft, fire, broken equipment—an unexpected loss can spell financial ruin for any business not adequately prepared.
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Theft, fire, broken equipment—an unexpected loss can spell financial ruin for any business not adequately prepared. That’s why The Hartford’s Property insurance for Small Businesses helps to safeguard your most valuable assets. So you can rest a little easier knowing your business is protected.
Whether you are a one location shop or have multiple offices, our Property insurance provides the essential protection no business can do without.
- Protect your identity
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Identity theft is a serious crime, affecting about 9 million Americans each year.
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Identity theft is a serious crime, affecting about 9 million Americans each year. Identity theft occurs when your personal information, such as your name, credit card number, or Social Security number, is stolen and used without your permission. While identity theft insurance can’t prevent the crime from happening, it can minimize your losses and help you regain your good name after identity fraud.
- General liability offers critical protection
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Anyone can sue. And for businesses, the likelihood of a lawsuit is a reality for which you just have to plan.
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Anyone can sue. And for businesses, the likelihood of a lawsuit is a reality for which you just have to plan. General Liability is one of the core policies that no business should do without. At The Hartford, we’ve gone above and beyond to offer coverages and enhancements to help your business stay intact.
From slip and fall accidents to slander and copyright infringement, The Hartford offers the critical protection to keep those pesky lawsuits from becoming a financial drain.
- Moving? Reassess your coverage.
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If there’s a move in your future, make sure you’re protected with the right insurance for your home—and car.
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If there’s a move in your future, make sure you’re protected with the right insurance for your home—and car.
When you’re going to move, having adequate homeowners insurance (or renters insurance) is a given. But there are other insurance-related matters to consider. For example, a move could affect your auto insurance as well as your homeowners insurance.
- A Safety Net for Employees Injured on the Job
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When an employee suffers a work-related injury or illness, it affects your business.
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When an employee suffers a work-related injury or illness, it affects your business. With The Hartford you can feel confident that your employees will have access to the medical care and other benefits they may need. And you’ll have a full host of resources and services at your disposal to help make sure your business stays on track.
With The Hartford, your business will have our unique broad form endorsement, designed to protect from unknown and unanticipated exposures that aren’t covered by a standard workers’ compensation policy. We offer two types, basic and extended — so you can choose the endorsement that’s right for your business.
- Protecting your vehicle … or fleet
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While transportation and the ownership of company vehicles can help streamline your business…
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While transportation and the ownership of company vehicles can help streamline your business and increase productivity, they can also add another dimension of risk.
At the Hartford, we understand you need more than standard protection while on or off the road. That’s why our Commercial Auto policies include a variety of coverage enhancements that do a better job of protecting your business, and your bottom line. Whether you have a single company car or a fleet of vehicles, The Hartford brings together the right mix of coverages your business needs in one convenient policy.
- Inventory your stuff
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Naturally, most of us hope that we'll never experience a fire, or a weather catastrophe in which we lose most…
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Naturally, most of us hope that we'll never experience a fire, or a weather catastrophe in which we lose most, or even all, of our belongings. But if it happens, it can be a lot less stressful when you're prepared with a comprehensive listing of the contents of your home or apartment.
We have a few suggestions to get started.
- Umbrella insurance
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Do you ever wonder if your family has enough insurance to cover a large insurance claim against you?
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Do you ever wonder if your family has enough insurance to cover a large insurance claim against you? Insurance agents increasingly recommend a personal umbrella policy, which kicks in when a policyholder reaches the limit on the liability coverage in their home or auto policies. Consider the risk in the following scenarios:
- Your teenage son is in a car accident and you get sued for $1 million.
- A neighbor is injured in your swimming pool.
- A passerby trips and falls on the sidewalk at your house.
- Your dog bites a friend’s child.
The Hartford offers umbrella policies for customers who want to protect their assets and feel more secure.
- We see ability in disability
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Providing your employees with ample income protection is one thing. Helping them overcome…
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Providing your employees with ample income protection is one thing. Helping them overcome limitations to reclaim their lives is another. Our products can do both. What does that mean to you? Shorter durations, a safer, faster return to productivity, and better outcomes for your employees, in many cases.
When employees are unable to work because of a disabling injury or illness, Short-Term disability goes to work for them, replacing part of their income. Our Long-Term Disability product is carefully designed to emphasize ability, not limitations. It addresses your employees’ need for a secure income together with your need for the best possible outcome at work.
