Telecommunications Business Insurance


Telecommunications businesses face risks.

At The Hartford, we understand that telecommunications businesses are on the forefront of innovation and that their services are constantly evolving. We protect those services, the data behind the business providing those services, the company’s buildings and more. Read on for a sample of the types of insurance coverages and services we offer telecommunications and integrated services companies.
Recommended Coverage for Telecommunications Businesses
Property Choice® for Telecommunications and Integrated Services Companies can help ensure business properties and the contents of those properties are adequately protected. Coverage from The Hartford includes computer and mobile equipment, transmission lines (including poles, towers and other related components), faulty equipment, media and data, electronic vandalism, and $100,000 in “green” coverage. 
Towers located in residential or urban areas can be vulnerable to damages from human contact, in addition to falling ice or other objects.
Provides coverage for bodily injury and property damage losses that may occur while conducting installation and service work. This coverage also helps protects businesses from liability associated with equipment they sell should claims arise from allegations of defective products or improper installation.
The Hartford’s General Liability Choice® provides liability coverage for bodily injury and property damages stemming from personal and advertising injury, such as libel, slander, defamation and product disparagement – including offenses occurring as a result of your Web site, bulletin boards and chat rooms – and broad named insured, which helps covers contractual liability and Electronic Data Liability Coverage, including the loss of, loss of use of, damage to, corruption of, inability to access, or inability to properly manipulate electronic data.
The Hartford’s FailSafe® suite offers flexible professional & cyber liability and expense coverage to help protect against the risks most technology companies face. Depending on the level of coverage selected, this can include coverage for:
 
  • Data security lapses and identity theft
  • Copyright or trademark issues
  • Content-related libel or slander issues
  • Technology performance failures
  • Warranty or product representation problems
  • First party breach and extortion expense
  • Business interruption and data loss
     
Helps protect against management liability risks faced by telecommunications and integrated services companies and their leaders. Our offering includes:
 
  • Theft of Client Property / Third-party Crime Coverage – often included within the insurance requirements section of contracts for telecommunications and integrated services companies, this coverage specifically helps protect against theft of a client’s property by an Insured’s employee.
  • Kidnap/Ransom & Extortion Coverage – helps protect company employees if they are kidnapped in the U.S or while on business abroad.
  • Directors, Officers and Entity Liability Coverage (D&O) – helps protect telecommunications and integrated services companies, their directors, officers and management team against loss that arises out of the day-to-day operations and management of the company.
  • Employment Practices Liability Coverage (EPL) – helps protect telecommunications and integrated services companies from damages and defense costs that arise out of employment-related disputes, including but not limited to alleged discrimination, sexual harassment, violation of the Family and Medical Leave Act, refusal to hire and wrongful termination or discipline.
  • Fiduciary Coverage – helps cover employee claims related to the design, administration and maintenance of company-sponsored retirement, health, and other employee benefit plans.
Helps increase a business’s liability protection when a claim or lawsuit maxes out the limits of the business’s current coverage. In the event of a devastating lawsuit, the amount of liability protection from a business’s general liability insurance, commercial auto insurance and employer's liability policy may not provide enough financial protection. If this happens, underlying policy limits are used first and commercial umbrella coverage limits only kick in after those policies have reached their limits. Coverage for telecommunications and integrated services businesses includes policy limits of up to $25 million and comprehensive, catastrophic liability coverage.
Additional Solutions for Telecommunications Businesses
Required by most states, worker’s comp provides benefits to employees for work-related injuries or illnesses including medical care, wages from lost work time, and more. For telecommunication and integrated services companies, The Hartford offers Pay-As-You-Go Workers’ Compensation, which helps manage cash flow and mitigate audit surprises by basing the premium payments on actual, not estimated, payroll one pay-period at a time. 
Helps cover vehicles – on the road and off – owned, leased or rented by telecommunications and integrated services businesses, including vehicles used for transporting equipment and employees on installation and service calls. At no additional cost, commercial auto insurance helps cover electronic equipment in vehicles, lease and loan gaps and offers a wide range of in-depth services designed to help a business’s employees be even safer behind the wheel.
Helps provide protection for telecommunications and integrated services companies whose business involves domestic and international inland and ocean marine exposures. Businesses may select coverages which include, Ocean Cargo insurance, which helps cover most lawful shipments of goods, freight and merchandise and Domestic Shipper’s Interest.
The Hartford offers U.S. domiciled companies a spectrum of coverage that goes far and wide. Whether you need to cover employees traveling abroad or a whole overseas enterprise, The Hartford can offer the right package of protection with options ranging from The Hartford Passport Package to The Hartford’s Controlled Master Policy (CMP) with local multinational policies – in one coordinated insurance program.
 
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. In TX, this insurance is written by Sentinel Insurance Company, Ltd., Hartford Casualty Insurance Company, Hartford Lloyd’s Insurance Company, Property and Casualty Insurance Company of Hartford, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Hartford Accident and Indemnity Company and Hartford Fire Insurance Company. In CA by Sentinel Insurance Company, Ltd. (CA license # 8701) and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.
 
The Hartford® is The Hartford Financial Services Group, Inc. and its property and casualty subsidiaries, including issuing company, Hartford Fire Insurance Company. Its headquarters is in Hartford, CT.