The Hartford has tailored a complete array of insurance coverages to meet the distinctive needs of today's small businesses. Highlighted below are some of the key ways we can help you protect the huge investment you have in equipment as well as your buildings and other business property.
Review Our Enhanced Property Coverages
| What We Cover |
How You Will Benefit |
| Building and Business Personal Property |
This coverage pays to repair or replace your property, including your inventory, office furniture or fixtures if they are damaged by fire or other covered loss. |
| Tenant Obligations |
As a tenant, you may have to pay for certain building damage caused by a break-in, damage to building glass, and lease assessments. If so, our policy can cover these financial responsibilities. |
| Computers and Media |
Not only does our policy include this in our definition of covered property, we provide a large, flexible limit so you can tailor your policy to fit your needs. Protects your investment in computer technology by reimbursing you for:
- Physical loss or damage to your computer hardware;
- Loss of data or computer software;
- Damage caused by computer virus.
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| Worldwide Coverage for Laptop Computers and Other Portable Computer Equipment |
The Hartford's tailored coverage for businesses automatically protects your portable computer equipment anywhere in the world while it's in the possession of your employees traveling on authorized company business, except when checked as baggage. |
| Computer Fraud |
This coverage helps protect you if someone steals your money, securities or other property "electronically" through the computer. |
| Accounts Receivable |
This coverage protects you if you are unable to collect outstanding balances because your account records are lost or dameged due to a covered cause of loss. |
| Property in Transit |
This coverage protects your business personal property if a covered loss or damage occurs during shipment. |
| Off-Premises Utility Services—Business Income |
The Hartford's Off–Premises Utility Services–Business Income provision covers property and/or income loss due to an interruption in your communication, water or power supply services. Coverage is subject to a waiting period. |
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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.