Program Business

Program Business Overview

Your Strategic Partner in Specialty Programs

We offer specialized underwriting and customized policies to help you deliver tailored coverage solutions to your midsize and large clients.
 
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Program Business Overview

Understanding Program Business

At The Hartford, our Program Business offering reflects a specialized underwriting approach, providing customized insurance solutions designed to address unique risks for midsize and large businesses. This solution is ideal for accounts that:
 
  • Have higher-hazard or hard-to-place exposures
  • Require specialized underwriting on a guaranteed-cost basis

Available Products

We offer a broad range of products designed to meet the unique needs of your midsize and large clients, including:
 
  • Comprehensive property and casualty solutions
  • Additional specialty lines available upon request

Target Audience

Our Program Business offering is ideal for:
 
  • Small, midsize and large businesses
  • Accounts needing coverage for higher-risk operations

Who To Contact

Other divisions within The Hartford, including Small Business, Global Specialty and select teams in Middle & Large Business also offer program solutions. If you don’t see what you’re looking for, reach out to mmprograms@thehartford.com for support.
 

Tailored Coverage Solutions

Each program is purposely built to serve specific industries or risk profiles, offering tailored coverage options through specialized underwriting. Agents can access Open Programs directly, while Administered Programs are available through designated Program Administrators or Managing General Agents.
An architect reviewing blueprints

Specialty Program for Architects & Engineers (SPANE)

For architecture, engineering and surveying firms in structural design.
 

Program Details

  • SIC 8711, 8712, 8713
  • Errors & Omissions and Management Liability offered
An office worker sitting at their desk

Reverse Flow

For U.S. businesses with foreign parent companies starting or operating in the U.S. Clients must have an established or forming U.S. entity.
 

Program Details

  • Industry Appetite: Manufacturing, Real Estate, Education, Financial Institutions, Business and Professional Services, Healthcare, Technology and Limited Complex Liability Solutions
  • Exclusions: Life Science, Construction and Energy
 
A wheelchair user rolling up a ramp

Adaptive Mobility

For companies that modify vehicles for individuals with disabilities, including new and used vehicles, medical equipment and installation of ramps and stair lifts in homes.
 

Program Details

  • SIC3711, 1731, 1796

Program Contact

Acrisure Great Lakes
Chris Woods
 
A person in a hard hat

Architects & Engineers (ACEC)

For architecture, engineering and surveying firms in structural design.
 

Program Details

  • SIC 8711, 8712, 8713

Program Contact

American Council of Engineering Companies
Aerial view of colorful plants and walking paths

Botanical Gardens

For not-for-profit, public access botanical gardens and arboretums.
 

Program Details

  • SIC 8412

Program Contact

BHS Insurance
Kim Slager

 

A delivery person holding cardboard packages

Package Delivery (FEDEX Ground)

For pickup and delivery FedEx Ground contractors.
 

Program Details

  • SIC 4215

Program Contact

OVD Insurance
Steve Binning
 
Two large storage containers in a parking lot

Portable Storage Containers

For UNITS franchise or similar that deliver portable storage containers.
 

Program Details

  • SIC 4212, 4225
  • Minimum premium $10K

Program Contact

Smith Brothers
Aaron Orchinik
A mechanic works on a car with a wrench

High Performance Aftermarket Parts (Rev Pro)

For manufacturers, installers, wholesales, distributors and/or retailers of aftermarket auto parts.
 

Program Details

  • SIC 3714, 5531

Program Contact

Alliant San Marcos
Trevor Allan
The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
 
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
 
Certain coverages vary by state and may not be available to all businesses. 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 Insurance Group, Inc. listed in the Legal Notice.
 
The Hartford Insurance Group, Inc., (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, CT. For additional details, please read The Hartford’s Legal Notice.
 
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