Loss Sensitive
At The Hartford, we offer loss-sensitive program structures for General Liability, Umbrella, Auto, and Workers’ Compensation, specializing in large retentions, Self-Insured Retentions (SIRs), and other complex risk financing solutions. These programs allow businesses to share in loss payments up to an agreed retention, reducing upfront premium costs while maintaining flexibility.
We tailor each program to a business’s unique exposures, controls, and risk profile, delivering solutions that help organizations:
- Save money by balancing risk retention and transfer
- Save time with TREO | Track Risk dashboards and alerts
- Improve outcomes through coordinated claims and risk management strategies
Marine
The Hartford has a long history of providing innovative inland and ocean marine products and services to energy companies to help meet specialized property and cargo coverage needs, including:
- Shipper’s Interest
- Ocean Cargo ChoiceSM
- Installation coverage
Multinational Coverage
The Hartford offers U.S. domiciled companies a spectrum of coverage that goes far and wide. Whether an employee is traveling abroad or there is 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 – all in one coordinated insurance program.
Management Liability
Management liability insurance from The Hartford enables energy businesses to customize coverage with flexible limits and a variety of coverage options including:
- Directors & Officers
- Employment Practices Liability
- Fiduciary Liability Crime
- Kidnap & Ransom/Extortion
