Programs Business Overview Agents

Understanding Program Business

At The Hartford, our Program Business offering reflects a specialized underwriting approach, providing customized insurance solutions designed to address unique risks for midsize and large businesses. This solution is ideal for accounts that:

Have higher-hazard or hard-to-place exposures
Require specialized underwriting on a guaranteed-cost basis

Available Products

We offer a broad range of products designed to meet the unique needs of your midsize and large clients, including:

Comprehensive property and casualty solutions
Additional specialty lines available upon request

Target Audience

Our Program Business offering is ideal for:

Small, midsize and large businesses
Accounts needing coverage for higher-risk operations

Who To Contact

Other divisions within The Hartford, including Small Business, Global Specialty and select teams in Middle & Large Business also offer program solutions. If you don’t see what you’re looking for, reach out to mmprograms@thehartford.com for support.

Tailored Coverage Solutions

Each program is purposely built to serve specific industries or risk profiles, offering tailored coverage options through specialized underwriting. Agents can access Open Programs directly, while Administered Programs are available through designated Program Administrators or Managing General Agents.