National Accounts

Strategic Partner in Risk Solutions

We work with businesses that prioritize proactive risk management solutions and value a strategic partner committed to helping them reduce losses and manage the total cost of risk. With a broad portfolio of products and deep industry experience, our team helps protect what matters most.

Total Cost of Risk Approach (TCOR)

Managing complex risks requires more than just coverage, it demands a strategic end-to-end approach. That’s where The Hartford’s National Accounts team comes in. We collaborate with you to deliver customized solutions that help you reduce losses and control your total cost of risk (TCOR).

Our holistic strategy includes:

Pinpointing the key drivers of loss
Recommending targeted prevention strategies
Streamlining claims management for efficiency and impact
Structuring programs tailored to each client’s unique needs

By aligning risk management with business goals, we help you achieve stronger financial results today and into the future.

Target Account Profile

These risks are generally out of our appetite:

Catastrophic (CAT) explosion exposure
Underground mining
Air transportation
Professional Employer Organizations (PEOs)

Our exclusions include:

Guns
Ammunition
Cannabis
Tobacco

Customized Coverage for Complex Needs

Every client is different and so are their risks. That’s why we help you build tailored insurance solutions that align with your unique exposures and business goals.

Our offerings include:

Primary Casualty: Workers’ compensation, general liability, products liability and auto coverage, underwritten by specialists who understand the needs of large accounts.
Companion Lines: Excess liability, property, marine, multinational, bonds, D&O and E&O coverage, delivered through our network of experienced underwriters.
Employee Benefits: Disability, group life and AD&D coverage, backed by the strength and reliability of The Hartford.

With our deep expertise and collaborative approach, we help deliver comprehensive protection and long-term value to you.

Flexible Plans That Align With Your Risk Strategy

Every large business has unique risks. That’s why we offer a wide range of flexible, loss-sensitive rating plans designed to help you take greater control of your insurance costs while aligning with your risk management goals.

Our customizable options include:

Large Deductibles: Standard, pre-funded, step-down and fronted structures to match your financial and operational preferences.
Retrospective Rating: Incurred or paid loss options that reward strong loss performance.
Self-Insured Retentions: For businesses ready to take on more risk with the support of expert claims and risk services.

With these solutions, we can offer you more than just coverage. We can deliver a strategy that supports your long-term financial performance.

Flexible Collateral Options

We offer a variety of program structures that incorporate various types of collateral options, including:

Letters of credit
Cash funds-held accounts
Trust accounts
Surety bonds

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Simplify Claims Management with TREO

Harness the power of data and analytics: TREO, The Hartford’s RMIS solution, helps you manage claims with ease. By leveraging advanced data and analytics, TREO creates transparency, highlights key proof points and identifies the root causes of cost drivers.
Comprehensive claims management: Whether you’re managing individual claims or an entire portfolio, TREO provides the tools you need. Customize your claims trend tracking to focus on what matters most to you.
Balanced approach: TREO combines cutting-edge technology with human expertise, allowing risk professionals to concentrate their efforts on the most impactful claim drivers. This balanced approach leads to a deeper understanding of loss causes and helps effectively reduce loss costs.

Choice of Claims Solutions

Whether you prefer a fully integrated experience or more control over claims handling, we offer flexible options to support your goals:

Bundled with ClaimPlus Team®: Backed by The Hartford, our dedicated team delivers proactive claim resolution, data-driven insights and a tailored service agreement to help reduce loss costs. Our TREO system simplifies claims management and enhances transparency.
Unbundled with trusted third-party administrators (TPAs): For clients with unique exposures, we offer unbundled claims handling through leading TPAs. Our TPA Services team provides oversight, audits and support to ensure consistent, high-quality service.

From onboarding to ongoing support, we’re committed to delivering a seamless claims experience that protects you and your business.

Risk Engineering That Drives Results

Our Risk Engineering Services are built to help you reduce losses, improve operations and lower your total cost of risk (TCOR). Backed by deep expertise and data-driven insights, our National Account Executives take a consultative approach to deliver measurable impact.

We focus on:

End-to-end risk evaluation: Identifying known and emerging loss drivers across operations
Actionable insights: Prioritizing prevention strategies that align with business goals
Practical solutions: Recommending improvements that enhance safety and efficiency
TCOR optimization: Targeted initiatives that address retained losses, which often make up 80% of TCOR

With a focus on prevention and performance, we help you protect your people, assets and bottom line.

Loss Sensitive Solutions

For organizations seeking greater control over their risk management costs, our Loss Sensitive Solutions offer flexible program structures that align with your unique risk profile. These solutions help provide opportunities to share in underwriting results, improve cash flow, and leverage data-driven insights to reduce the total cost of risk – all while maintaining the dedicated service you expect from The Hartford.

To find out more about loss sensitive insurance from The Hartford, email us at na@thehartford.com.