Property

Who We Serve

The Hartford can help you customize a property solution for your midsize and large commercial clients across a wide variety of industries:
 

Our Appetite

Regardless of your client’s business or size, The Hartford has a property product for them. We can write Property as part of a multi-line account or mono-line.
 

Insurance Solution

For midsize businesses, we offer the highly customizable Property Choice® form with industry specific endorsements. Coverages include:
 
  • Accounts Receivable
  • Business Personal Property
  • Business Travel including Sales Representative Samples
  • Claim Expenses
  • Combined Additional Protection (CAP) – additional blanket CAP for when a loss exceeds the policy limits for one of the CAP options
  • Computer Equipment, Media & Data
  • Debris Removal
  • Electronic Vandalism
  • Employee Personal Effects
  • Errors in Description
  • Exhibitions
  • Equipment Breakdown
  • Fine Arts
  • Inflation Guard
  • Newly Acquired Property
  • Optional Business Income
  • Ordinance or Law
  • Outdoor Trees and Shrubs
  • Pairs and Sets
  • Pollutant and Contaminants Cleanup
  • Tenant Lease Coverage
  • Transit
  • Unnamed Premises
  • Utility Services
  • Valuable Papers
For businesses with large limits or more complex risks, we offer the specialized Property Choice® Elite form. The Hartford also provides coverage solutions for:
 
  • Excess Property
  • Quota Share
  • Assumed Reinsurance
  • Manuscript forms
  • Shared/layered

Key Selling Points

  • Our Dedicated property claims team focuses on achieving the best outcomes for even the most complex claims.
  • Our expert property adjusters are engaged at a low ($100,000) loss threshold (compared to $250k or higher for many competitors).
  • Flexible coverages and limits that can be tailored to your specific needs
  • Green Choice included for $100,000 at no cost
  • Comprehensive business income coverage option
  • Industry-tailored property coverage endorsements
  • Electronic vandalism coverage automatically included with computer equipment and media coverage

Who to Contact

Contact your local Hartford rep or email us at mmsc@thehartford.com.