thehartford.com

At no extra cost (above what is approved by regulators); we expand our Basic Broad form to include six valuable coverages.

• Reimbursement for your reasonable expenses, including loss of earnings, incurred on your behalf in connection with a claim, proceeding or lawsuit.
• Employer's liability stopgap, for states where workers' compensation is provided by a monopolistic state fund.
• Voluntary compensation, for your employees who are not covered by state statute.
• Sixty days, versus the industry standard of 30 days, to notify us to add states where you have operations.
• Transfer of rights and duties notification is extended to 60 days.
• Cancellation notice period is extended to fifteen (15) days.

At only a nominal charge, we add five important extensions, including:

• Employer's liability insurance limit is increased to $500,000
• Unintentional failure to disclose hazards, which gives you the assurance that you won't be denied coverage because you unintentionally failed to disclose all existing hazards to us.
• Waiver of our rights to recover from others for an injury to your workers in those instances where you perform work for the other party and have a written contract with the other party requiring such a waiver.
• Foreign voluntary compensation to protect your employees who suffer employment-related injuries or disease while traveling on business outside the United States.
• Longshore and harbor workers' compensation to cover your obligation to provide federal benefits if an employee should unexpectedly be found subject to the U.S. Longshore and Harbor Workers' Act.