Public Entities & Large Property Insurance

What is Public Entity & Large Property Insurance?

The Hartford provides broad property coverage for large public entities and a variety of commercial industries, designed to address the wide range of exposures they face. Our flexible options allow our clients to tailor their property insurance policy to help address the unique risks they face, as well as adjust coverage depending on their changing needs.
We are committed to providing coverage solutions to a wide variety of public entities:
 
  • Schools (K-12)
  • Municipalities
  • Counties
  • Housing authorities
  • Parks and recreation districts
  • Water and sewer districts
  • Colleges and universities
  • Transit authorities
  • Airports
  • Tribal nations
  • Religious entities
We’re committed to providing coverage solutions to a wide variety of industries:
 
  • Business and Professional Services
  • Financial Institutions
  • Healthcare
  • Hotels
  • Manufacturing
  • Real Estate
  • Restaurants
  • Retail
  • Technology
  • Wholesale


Customized Property Coverage

Create a customized property insurance policy with the solutions that work for you. Property Choice Elite enables us to build a seamless, tailored policy for each large property customer. Our specialized policy forms provide greater flexibility.
  • Primary
  • Excess of loss
  • Reinsurance assumed
  • Pooling
  • Quota share
  • Loss limits
  • Blanket limits
  • Shared & layered
  • Aggregate deductibles
  • Captive fronting
  • Total insurable value: Greater than $200M
  • Blanket limits and loss limits
  • Admitted paper
  • Broad all-risk perils, including equipment breakdown, catastrophic cover and terrorism
  • Modular form allows for customizable coverage options; add the appropriate coverage when you need it


Large Property Claims Specialists

In the event you have a claim, our dedicated large property claims professionals are ready to help expedite the process.  They are committed to ensuring your claims experience with The Hartford is the best it can possibly be.
 

Education for Reducing Risk Exposure

The Hartford’s Risk Engineering team provides loss control services designed to help commercial large properties and public entities anticipate risks, avoid accidents, and prevent potential loss incidents. The team can perform risk exposure evaluations, consultations, and offer recommendations for ways to improve safety and security on your property.
 
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.