National Accounts

Your Partner in Business Risk Management

The Hartford helps deliver better economic outcomes by bringing together an ideal combination of flexibility, consistency and experience in managing the cost of risk:
  • A seasoned team. With 15+ years of experience on average,1 our employees are empowered to make the right decisions. And we’re relentlessly focused on your clients’ satisfaction.
  • Consistent excellence. Change is inevitable, but surprises aren’t. Here’s what you can expect: a consistent approach to all aspects of our business. It adds up to high service ratings in claims, customer loyalty and recognition – The Hartford has been recognized as a World’s Most Ethical Company® 11 times by The Ethisphere Institute.2
  • Flexible options. We offer a variety of collateral options and coverages to meet your clients’ needs, along with exceptional Hartford claims service. They can select from our range of strong TPA partners and control risk with tailored solutions provided by our experienced Risk Engineering team.
  • A culture of innovation. The Hartford is inventive when it comes to managing risk. For instance, our proprietary data-mining and analysis tool: TREO | Track Risk. Explore Opportunities.SM is designed to simplify claims management and help your clients effectively lower loss costs.
As a result, The Hartford proudly serves a growing number of loyal business customers and has a demonstrated track record of customer retention. In fact, some of them have been with us for 60+ years.3
We prefer to partner with clients who understand the total cost of risk, the discipline of risk management, and who value high-quality risk management services. 
Target account attributes:
  • Minimum $1 million standard premium
  • Typical $250,000 workers’ compensation loss retention
  • Bundled and unbundled claims programs with The Hartford and approved service providers
  • High end non-Investment grade risk or better
We can help you tailor an insurance solution to the unique needs of your clients that includes:
  • Primary casualty: Workers’ compensation, general liability, products liability and automobile coverage underwritten by National Account specialists
  • Companion lines: Property, marine, bonds, directors & officers liability and errors & omissions coverage underwritten by affiliated Hartford specialists
  • Group benefits: Disability, and accidental death and dismemberment coverage underwritten by one of two issuing companies of The Hartford
Our variety of loss-sensitive rating plans can help your clients achieve their goals and protect their bottom line:
  • Large deductibles – Standard, pre-funded, step-down, hybrid
  • Retrospective rating – Incurred loss, paid loss
  • Self-insured retentions
We offer a variety of program structures that incorporate various types of collateral options, including:
  • Letters of credit
  • Cash funds-held accounts
  • Trust accounts
We offer bundled and unbundled loss-sensitive insurance programs to help meet the needs of your client:
  • The Hartford’s bundled ClaimPlus Team® is backed by the strength of The Hartford, and offers savings, insight and innovative claim resolution to your clients.
  • National Accounts with unique exposures or needs may choose unbundled claims-handling services with a third-party administrator. We have established relationships with leading property and casualty TPAs throughout the United States.
Specialists on our TPA Services team work closely with select TPAs to help ensure quality claims handling and to assist with client concerns. They not only provide oversight services for complex claims, but also regularly audit our approved TPAs to ensure a quality customer experience at every point and at all levels.
We continually invest in and expand our dedicated National Accounts risk engineering model. Our account management team has more than 150 years of safety and risk management experience and can deliver loss control solutions to meet a wide variety of needs.

We offer:
  • Customized safety and risk management services that can be tailored to the unique needs of your client’s business
  • Professionally trained staff for onsite, results-oriented, risk management consulting
  • Commitment to building lasting relationships with clients
  • Insight and consultation based through our in-house industrial hygiene lab4
  • A wealth of information and learning opportunities through our secure risk engineering website
TREO, The Hartford’s RMIS solution, is designed to simplify claims management by:
  • Enabling the power of data and analytics
  • Creating transparency, highlighting proof points and identifying the root causes of cost drivers
  • Allowing individual and portfolio claims management
  • Letting you customize claims-trend tracking
TREO facilitates the right balance of technology, people and time. The combined experience helps risk professionals focus their energy and resources on the right claim drivers to achieve a greater understanding of cause of loss and effectively lower loss costs.

Contact Us Today

For more information or to submit an account, please contact your National Accounts practice leader. You may also email questions to us at
1 Reflects National Accounts team average as of November 2016.
3 National Accounts In Force as of August 2016.
4 The Hartford’s Risk Engineering Laboratory (ID 100124) is accredited by the AIHA Laboratory.
Accreditation Programs (AIHA-LAP), LLC for Industrial Hygiene and Unique Scopes as documented by the Scope of Accreditation Certificate and associated Scope.