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Why You Need Specialized Commercial Insurance
Does your business face unique risks that are uncommon for the typical small business owner? For example, do you use hazardous chemicals in your operation? Or do you manufacture food products that may be vulnerable to contamination and product recall? Or do you often carry tools to your customers' worksites, and need to make sure your property is protected off–site as well as on–site? Whatever your industry, chances are there are commercial insurance coverages tailored to the risks you face.

What is Specialized Commercial Insurance?
Some commercial insurance companies offer specialized packages for certain types of small businesses as well as optional coverages for certain types of risks. Your insurance agent is the one person most qualified to help you evaluate all the commercial coverages you may need for your specific business.

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.