General Disclaimer

These materials are provided “as is” and for information purposes only. The Hartford makes no representations or warranties that the materials are suitable for your needs, are complete, timely, reliable, or are free from errors, inaccuracies, or typographical mistakes. The Hartford disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability or fitness for a particular purpose or non-infringement of others’ rights. These materials provide general information, and should not be construed as specific financial, insurance, tax, legal, or accounting advice. This information is written in connection with the promotion or marketing of the matter(s) addressed in this material. The information cannot be used or relied upon for the purpose of avoiding IRS penalties. As with all matters of a tax or legal nature, you should consult with your own tax or legal counsel and qualified advisor. The Hartford shall not be liable for any direct, indirect, special, consequential, incidental, punitive, or exemplary damages in connection with the use by you or anyone of the information provided here or for link to or use of any Web site referenced herein.

The precise coverage afforded by any policy of insurance described herein, is subject to the terms and conditions of the policies as issued.

Links Disclaimer
The Internet addresses of other companies' Web sites are provided in this guide for users' convenience only. The Hartford Financial Services Group Inc. and its affiliated companies (collectively, "The Hartford") do not control or review the listed sites or any content appearing on the sites, nor does the provision of any address imply an endorsement or association of non-Hartford Web sites. The Hartford is not responsible for, makes no representation or warranty regarding, and does not endorse, certify, approve, or warrant the quality, reliability, or performance of any goods or services associated with, used in, marketed through, made available through, or provided through the listed sites, or the contents, completeness, accuracy, or security of any materials on such sites. If you decide to access such non-Hartford sites, you do so at your own risk and Hartford shall not be liable for any damages, losses or liabilities of any kind or nature related to or arising out of any content on the listed site.

You may copy this Web site only for non-commercial, personal use. You may not otherwise copy, sell, or distribute or modify the contents of this Web site for any commercial purpose without prior written consent of The Hartford.

“The Hartford” is The Hartford Financial Services Group, Inc. and its subsidiaries, including the issuing companies of Hartford Life Insurance Company and Hartford Life and Annuity Insurance Company.

The Hartford Business Owners Survey was conducted online by Impulse Research Corporation in October 2006, with a random sample of 504 small business owners (with fewer than 100 employees) and a margin of error of +/- 4 percentage points.