Your midsize and large commercial clients have complex property risks. Bring them to The Hartford and we’ll partner with you to design a plan they can depend on – including a customizable suite of property solutions and the expertise.
Who We Serve
The Hartford can help you customize a property solution for your midsize and large commercial clients across a wide variety of industries:
- Business and Professional Services
- Educational Institutions
- Financial Institutions
- Healthcare
- Life Sciences
- Manufacturing
- Municipalities
- Real Estate
- Retail
- Technology
- Wholesale
Our Appetite
Regardless of your client’s business or size, The Hartford has a property product for them. We can write Property as part of a multi-line account or mono-line.
Insurance Solution
For midsize businesses, we offer the highly customizable Property Choice® form with industry specific endorsements.
Coverages Include:
- Accounts Receivable
- Business Personal Property
- Business Travel including Sales Representative Samples
- Claim Expenses
- Combined Additional Protection (CAP) – additional blanket CAP for when a loss exceeds the policy limits for one of the CAP options
- Computer Equipment, Media & Data
- Debris Removal
- Electronic Vandalism
- Employee Personal Effects
- Errors in Description
- Exhibitions
- Equipment Breakdown
- Fine Arts
- Inflation Guard
- Newly Acquired Property
- Optional Business Income
- Ordinance or Law
- Outdoor Trees and Shrubs
- Pairs and Sets
- Pollutant and Contaminants Cleanup
- Tenant Lease Coverage
- Transit
- Unnamed Premises
- Utility Services
- Valuable Papers
Large Property
For businesses with large limits or more complex risks, we offer the specialized Property Choice® Elite form. The Hartford also provides coverage solutions for:
- Excess Property
- Quota Share
- Assumed Reinsurance
- Manuscript forms
- Shared/layered
Key Selling Points
- Dedicated property claims team focuses on achieving the best outcomes for even the most complex claims.
- Our expert property adjusters are engaged at a low ($100,000) loss threshold (compared to $250k or higher for many competitors).
- Flexible coverages and limits that can be tailored to your specific needs.
- Green Choice included for $100,000 at no cost.
- Comprehensive business income coverage option.
- Industry-tailored property coverage endorsements.
- Electronic vandalism coverage automatically included with computer equipment and media coverage.
Who to Contact
Contact your local Hartford rep or email us at mmsc@thehartford.com.
Protect Your Building From Water Damage
Water intrusion and liquid damage are two of the leading causes of commercial property loss.
Success Story - Property
See how our Risk Engineering team helped a company avoid a potential total property loss due to fire.
Agent Tools and Resources
Additional Tools & Marketing Resources
Why The Hartford
