Top Reasons Contracting Businesses Choose Us

With The Hartford you’re choosing a partner with 40+ years in construction experience – your assurance of the right coverage and services to meet your needs:

  • Top 5. The Hartford is a leading carrier in workers’ compensation
  • 40+ The number of years The Hartford has served construction clients
  • 20+ On average, the number of years our underwriters have worked with construction companies
  • 1975. The year our Risk Engineering Lab was accredited
  • 500,000. The approximate number of preferred healthcare providers in our workers’ compensation claims support

A Safety Program That’s Been Helping Lower Risks Since 1975

Construction operations sometimes cause unsafe working conditions that can harm employees and your bottom line. The Hartford’s industry-leading safety program provides superior solutions.

  • Since 1975, The Hartford’s Risk Engineering Laboratory (ID 100124) has been accredited by the AIHA Laboratory Accreditation Programs (AIHA-LAP), LLC for Industrial Hygiene and Unique Scopes, as documented by the Scope of Accreditation Certificate and associated Scope. Count on these resources:
  • As a policyholder, lab services and the use of testing equipment are available to you free of charge.
  • Our industrial hygiene lab is staffed by experienced chemists and Certified Industrial Hygienists (CIHs) who are available to consult with you or conduct evaluation surveys to identify, quantify, and control hazardous conditions on your job sites.
  • Since skilled employees are one of your most valuable assets, helping to keep them safe should be a priority. Let The Hartford help with:
  • Free safety training programs.
  • Additional on-site training programs, available through The Hartford’s Risk Engineering consultants.
  • Materials and tips posted on our website. Many are available in both English and Spanish.

An Insightful Claims Team That Helps You Control Costs

For many policyholders, how claims are handled is the true test of an insurance company. It’s important to contain costs while helping employees return to work as soon as possible. The Hartford manages claims with a team of seasoned professionals and specialists:

  • Latent Property Damage Group specializes in construction defect claims.
  • Large Loss team focuses exclusively on high value bodily injury and property damage claims.
  • In-house counsel provides legal support to our construction claims personnel.
  • Defense counsel and construction defect experts with whom we’ve established long-term relationships.
  • Network of preferred healthcare providers with negotiated rates, nurse case managers, medical bill review, and other services.
  • Special investigation unit comprised of a team of investigators with an average of 20 years’ experience in detective work.

Insurance Professionals Who Specialize in the Construction Industry

To assure you of overall account satisfaction, we support your business needs with knowledge and experience. Here’s what distinguishes our professionals:

  • Our team includes a designated program manager, underwriter, Risk Engineering specialist, claims service consultant, and customer service representative to handle policy issuance, billing, audits, and more.
  • Our underwriters work only on construction business and have jurisdictional knowledge of coverage, state regulations and rulings.
  • Our Risk Engineering consultants are experienced job site safety directors who pursue ongoing training, keeping them current on construction trends and issues.

Specialized Liability Coverage for Risks You Face as a Contractor

Having insurance coverage to protect your company’s assets and meet clients’ requirements is critical to managing risk. The contractor’s broad form endorsement advantages include:

  • Built-in essential coverage such as additional insured provisions, limited professional liability, and electronic data liability.
  • Tailored coverage to meet your company’s unique needs.
  • A choice of monoline general liability or workers’ compensation or a multi-line program with supplementary coverage such as umbrella, railroad protective liability, owner’s and contractor’s protective, contractor’s equipment and bond coverage.

Complete Transparency on Collateral

It’s important to keep a keen eye on collateral required to secure deductible or retrospective rating plan liabilities. We remove the guesswork by:

  • Building collateral requirements into each contract.
  • Disclosing the details, including what loss development factors are used, how the collateral amount is calculated, how it will be adjusted as claims close, and when it will be released.

A Portfolio of Rating Plans

Whichever rating approach you choose for your business, The Hartford can customize a plan to meet your needs by:

  • Fully transferring your insurable risks with guaranteed cost coverage.
  • Retaining a portion of your losses through a large deductible, a retrospective rating plan, or a self-insured retention.

TREO | Track Risk. Explore Opportunities.SM

TREO, a RMIS solution, designed to simplify claims management by:

  • Enabling the power of data and analytics
  • Creating transparency, highlighting proof points and identifying the root causes of cost drivers
  • Allowing individual and portfolio claims management
  • Letting you customize claims-trend tracking
TREO facilitates the right balance of technology, people and time. The combined experience helps risk professionals focus their energy and resources on the right claim drivers to achieve a greater understanding of cause of loss and effectively lower loss costs.