Business Insurance

General Liability

The Hartford provides core general liability coverages that every business needs to protect itself if others claim it is legally responsible for their loss or injury. In many cases we automatically build these coverages right into our base policy. Some coverages may not be available for all industries or in all states.

Liability

What We Offer How You Will Benefit
Additional Insureds If a written contract requires you to name someone else as an additional insured on your policy, we'll automatically extend that status to them. We will also provide them with primary coverage if that's required by contract.
Bodily Injury and Property Damage Liability If your business is held liable for someone's injury or property damage, The Hartford's policy would help protect you against financial loss.
Damage to Premises Rented to You Many liability insurance policies protect renters if they're held liable for fire damage. But The Hartford can protect you if you're contractually obligated to pay for damage caused by fire, lightening, or explosion to premises you rent or temporarily occupy.
Damage to the Property of Others Our liability insurance protects you if you are responsible for damage to the property of others. We extend this coverage to include borrowed equipment that's damaged at your job site while it is not being used.
Incidental Medical Malpractice As long as you're not in the health care business, this unique coverage from The Hartford would extend protection to you and your employed nurses, EMTs or paramedics if they were sued for medical malpractice.
Internet Related Exposures If you elect our special CyberFlex® coverage, your personal and advertising liability protection will be extended to your entire Web site, including claims that may arise because of content, chat rooms, bulletin boards, advertisements or links. Note: CyberFlex®  liability coverage is not available to banks, law firms, ad agencies, broadcasters, media services, publishers, or telecommunications companies.
Medical Payments This coverage is designed to pay applicable medical costs if someone is injured on your premises and needs medical treatment.
Personal and advertising injuries Our policy is designed, to protect your business from claims of false arrest, malicious prosecution, libel, slander, wrongful eviction, discrimination or humiliation, or invasion of the right of privacy. We can also protect you if others claim you infringed on their copyrights in your advertisements or that you copied their advertising ideas.
Unintentional failure to disclose hazards This gives you the assurance that you won't be denied coverage if something happens as a result of a hazard which you unintentionally failed to disclose to us. If you unintentionally fail to disclose a hazard we won't deny coverage because of the failure.


The suggestions and information contained herein are provided for informational purposes only and are not intended to be all inclusive. Please refer to the issued policy for specific details regarding coverages, conditions and exclusions. In the event of a conflict between the terms contained herein and the policy, the policy terms and conditions will prevail.

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