New Small Commercial Auto: Better Value, Better Rates

“Prior to recent changes in the small commercial auto rates, I would not have thought of The Hartford for auto business. It usually makes sense for me to keep all lines with one carrier… particularly if the account is in a service center. Now I can do that with The Hartford because the pricing is significantly better than it used to be – by almost half.”

Agents told us time and time again that we haven’t been competitive enough in the commercial auto market. The Hartford rebuilt auto rates from the ground up, offering new base rates, new liability rates for PPTs and light trucks and new secondary rate factors. We also added pricing tiers, making us more competitive for better risks – better drivers, loss and financial histories generally mean better pricing for your customers. 

With The Hartford’s new and improved small commercial automobile insurance*, you’ll find:

• More competitive pricing that recognizes good drivers.

• The ability to price and write tougher business.

• Faster, easier quoting and submissions.

• Top-quality claim service.

We also enhanced the auto screens within ICON 2.0. You can enter driver information upfront to obtain more accurate information and our best pricing sooner in the quoting process. A more dynamic “Help” functionality makes it easier for you to find and input information. New screens provide feedback about the quality of the VIN entered, display drop-down boxes for vehicle year, make, model and body type. And coming soon, you’ll automatically be able to add and update drivers and vehicles on screen.

In the event your clients do need to file a claim, our fast, efficient claim solutions team will get them back on the road quickly. Our customer repair service program, auto glass repair service, rental car service, and claim expediter provide comprehensive services to meet customer claim needs. In a recent claim survey, one policy holder described the service, “It would be difficult to find any element of the claim process that I could suggest improvements for… the service and understanding your claim agent provided was above any expectation that I could have had.”

It’s easy for you and your customers to place the entire account with The Hartford, but if you need to write a mono-line account, we can help you do that, too. With The Hartford’s new & improved commercial auto, you can build your book of business:

·        Get the best price for your customers based on individual risk characteristics

·        Provide your customers with a more accurate quote by entering driver information up-front

·        Offer your customers an auto product that goes beyond the standard protection – with 17 bundled coverage enhancements (not available in all states)

·        Quote and submit commercial auto quickly and easily so you can spend more time doing what you do best – service your customers

But don’t just take our word for it… take a look at what other agents across the country have been saying about us: 

“I’ve quoted some small commercial auto business with The Hartford lately and they are very competitive… They weren’t kidding about a rate reduction!”

“I have found The Hartford’s new auto rates extremely competitive. Great pricing combined with an easy to use quoting and submission system, now with the ability to add driver information up front – it’s no contest!”

“Because The Hartford’s auto rates are now so much more competitive, we can place the entire account with them – Spectrum, Worker’s Compensation, Umbrella, and auto. It streamlines the process for us. But most importantly, our insureds benefit because they get great coverage and one bill from one carrier.”

This document outlines in general terms the coverages 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 described in this document may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc.