Where is The Hartford? Right here...at the forefront of new developments in small business insurance. We're busy working on new products and services designed to help you look forward to life....not just protect you from it.

Here are just a few of the ways we're helping small businesses grow into bigger successes!

At The Hartford, we don't believe in lumping all small business owners into one big insurance plan. We know that different types of small businesses face different financial risks. So we offer them different types of insurance protection. A simple concept, perhaps, but one we execute to perfection. In fact, we've tailored our commercial insurance programs to meet the distinct needs of a wide array of small businesses.

To help small business owners put together a coordinated program of risk protection, The Hartford offers a complete range of insurance coverages.

SPECTRUM - Property and Liability Coverage
In the early 1980s, The Hartford pioneered the development of a tailored insurance program for small businesses. Since that time, our SPECTRUM product has been continually enhanced to respond to the evolving needs facing today's business owners.

This cost-effective, comprehensive insurance program truly meets the spectrum of insurance needs of small business owners. It includes:

• insurance for your building;
• insurance for your business/personal property;
• financial protection in case of equipment breakdowns;
• business income interruption coverage;
• protection against lawsuits.

Commercial Auto Insurance
The Hartford serves as a stable source of auto insurance for small business. Our Select Customer Auto Insurance policy offers commercial auto insurance protection for up to six business-owned vehicles. It offers very broad protection, such as:

• lease gap coverage for cars you lease;
• uninsured/underinsured motorist coverage; and
• liability coverage for business use of employees' cars.

Workers' Compensation
As one of the nation's largest Workers' Compensation insurance providers, The Hartford is committed to helping small business owners control the high cost of workers' compensation. Not only do we offer competitive rates on workers' compensation coverage, we provide a number of value-added services to minimize any claim costs, including:

• comprehensive managed care services to help speed an injured employee's return to work;
  
• expert litigation management services to help contain the cost of any workers' comp-related lawsuits;
  

At The Hartford, we're determined to make it easy for business owners to do business with us. So we offer an array of convenient services.

Convenient Payment System
While no one likes to pay bills, The Hartford offers a variety of convenient payment plans to make your bill paying as easy as possible. Whether you prefer to pay for your insurance coverage up front or through a monthly installment plan, we've got an option that's right for you.

Risk Management Support
The Hartford is a big advocate of small businesses. That's why we're so committed to helping you manage your risks -- so that your profits are higher, your operations run smoother, and your workplace is safer. Over the years, we've discovered that the best way to help you succeed financially is to help you prevent accidental losses.