Financial Institutions

Financial Institutions

Committed to Financial Institutions

More than 30 years of experience serving the protection needs of financial institutions of all types and sizes.
 
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Financial Institutions

Customizable Insurance for a Broad Spectrum of Needs

Financial Institutions exist in a complex environment and continue to evolve faster than ever. They must meet the increasing needs and wants of both customers and employees while improving performance and complying with changing laws and regulations, exposing them to potential liabilities like never before. That’s why we have a dedicated team of industry experts, including underwriters, risk engineering consultants and claims specialists.

Specialized Coverage Solutions

We've created coverage options you can tailor to meet the unique needs of your financial service clients. Our comprehensive coverage offerings include:
 
  • Broad Management and Professional Liability protection, including for financial institutions and their management teams.
  • Management and Professional Liability has capabilities for Primary, Excess, and Side-A coverage for each product.
  • Industry-leading Crime/Fidelity coverage for small to midsize businesses, financial institutions and public entities.
  • Customizable Property Choice® with Specialized Property Insurance Coverage Endorsement (SPICE®) for Financial Institutions.Mortgage protection insurance to address impairment and errors & omissions claims associated with a mortgage portfolio for lenders.
  • General Liability® Choice with broader coverage than the industry standard
  • Umbrella/Excess Liability coverage for general liability, auto, and Management and Professional Liability products (up to $25 million capacity)
  • Workers’ Comp broad form endorsement included at no additional cost helps protect against unknown and unanticipated exposures typically not covered by a standard policy including options increased Employers Liability limits, and Waiver of Subrogation (additional premium applies).
  • All-in-One Cyber solution to protect businesses before, during and after a cyber attack.
For your clients with overseas coverage needs:
 
  • Our Multinational Choice offers spectrum of coverage options or U.S.-based businesses with employees traveling abroad or a whole overseas enterprise in over 200 countries.
  • We also have a presence in a number of worldwide insurance hubs, where businesses are abroad based, including London, the world’s largest hub where we have a Lloyd’s Syndicate.

Claims Service Focused on Containing Costs

Our experienced claims and legal assistance teams take a timely, proactive approach to and whenever possible:
  • Avoid court
  • Limit publicity
  • Assign experienced counsel

Risk Engineering Solutions to Improve Operations

Our Risk Engineering team can provide a broad range of loss control consultative and education services, including:
 
  • Business continuity planning
  • Emergency preparedness
  • Premises safety
  • Cyber security
  • Ergonomic evaluations
  • Return-to-work programs
  • Free technical information papers (TIPS) on controlling losses and limiting exposures.
financial institutions Specialized Support

Specialized Support

We make it our business to figure out how to best support our customers. For your financial institutions, that means fully understanding their business, needs and risks they face. We can help you customize insurance policies, so they get coverage specific to their company.
 
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Why The Hartford

Ethisphere award
200+ years
 
This outlines in general terms the coverages that may be afforded under a policy from The Hartford. 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 coverages 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. Coverage may not be available in all states or to all businesses. Possession of these materials by a licensed insurance producer does not mean that such producer is an authorized agent of The Hartford. To ascertain such information, please contact your state Department of Insurance or The Hartford at 888-203-3823. All information and representations herein are as of June 2020.