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Geopolitical Trends Global Insights Center Q1 2025 Key Takeaways US tariff policy could alter global trade flows in the long term, which could affect geopolitics. Geopolitics could align around the nations that lead defense production and advanced technologies. Fiscal conditions and demographics matter; “young” nations with government budget flexibility can grow their [...]

SMALL COMMERCIAL SMALL BUSINESS OWNERS | ACCOUNTING AND FINANCE PROFESSIONALS LOOK TO US FOR CUSTOMIZED BUSINESS COVERAGE THAT COUNTS. BUSINESS OWNER’S POLICY A BOP can help protect your accounting business much the same way that a homeowners policy protects your home and personal possessions. The Hartford’s BOP combines these essential coverages to provide a cost-effective [...]

What Good Looks Like • May assist with budget development and tracking • Makes vendor recommendations and referrals only • Provides day-of oversight and coordination • Provides limited ancillary services such as photography or rental of décor Event Planners Businesses providing clients with consultative services on event design, styling and décor. Eligible SIC Coverage that [...]

Customized coverage helps your janitorial clients manage risks in one sweep. Small Business What Good Looks Like • 3+ years of ownership; management experience • Incidental pressure-washing of building exteriors from ground level • Floor waxing; incidental exposure in low traffic areas • Limited exposure to heights Underwriting | Industry Spotlight Janitorial Services [...]

Surety Bonds: Manufacturing Types of Bonds • Performance Bonds • Supply Bonds • Completion Bonds • License & Permit • Customs Bonds • Tax Bonds • Warehouse Bonds • Lease Bonds • Warranty & Maintenance Bonds • Utility Deposit Bonds Manufacturing covers a wide range of subsectors, all of which are involved in the production of goods with the help of equipment, [...]

SMALL COMMERCIAL SMALL BUSINESS OWNERS | MEDICAL OFFICE AND HEALTH PROFESSIONALS HEALTHY COVERAGE SOLUTIONS TO PROTECT YOUR PRACTICE. BUSINESS OWNER’S POLICY (BOP) A BOP can help protect your business in much the same way that a homeowners policy protects your home and personal possessions. The Hartford’s BOP combines these essential coverages to provide a cost-effective solution to [...]

What Good Looks Like What kinds of businesses have risks we’d underwrite? Those with: • Limited off-premises driving exposure with local or intermediate travel distances MVR program with scheduled vehicle maintenance for larger risks • Workers that are trained in handling job site hazards such as working around heavy equipment and road traffic • A formal ergonomic program in place for [...]

A Total Account Solution We offer all the following lines for all business classes listed on the next page. Business Owner’s Policy (BOP) One policy for fire, theft, liability and more. Workers’ Compensation Covers rehab expenses and lost wages in compliance with state laws. Business Auto Coverage for business vehicles owned, leased, rented or borrowed—on the road and off. [...]

NJ TDB and FLI Fast Facts We’ve been proud to partner with New Jersey employers for more than 70 years in providing Temporary Disability Benefits (TDB) for their employees. We’re pleased to enhance that partnership by now offering our TDB customers plans for Family Leave Insurance (FLI) – either as a fully insured product or with our administrative services. Here’s what [...]