Middle Market

OUR NEW PROPERTY OFFERING IS FULL OF BUSINESS POTENTIAL FOR YOU.

The Hartford is committed to helping you realize new midsize business opportunities. That’s why we increased our per-location capacity to $500M.

Combined with our highly customizable Property Choice® coverage form and our strong underwriting knowledge, both you and your customer get every advantage. Flexibility and superior services your clients can depend on are just some of the tools that can help you reach new heights.

SPEcIALIzEd SUPPORT FOR kEY AccOUNTS

Our underwriters are prepared to work with you to offer even greater flexibility. We can help you customize a property solution for your larger and complex Middle Market accounts:

• Up to $500 million in capacity per location (will consider higher limits)

•Highly customizable and comprehensive coverage options

•The opportunity to support a multi-line solution

continuedPrepare. Protect. Prevail.SM

PROvIdE cOmPREhENSIvE PROTEcTION FOR YOUR cUSTOmERS when you combine our Property Choice coverage with:

•Generalliability

•Commercialauto

•Umbrella

•Marine

•Workers’compensation

PROPERTY

WIdE RANGE OF INdUSTRY cAPABILITIESThese industries represent our property “sweet spot,” and typically present above-average quote/hit ratios and retention rates:

Your underwriter can assess account opportunities in emerging markets or industries not included in the list above.

cOUNT ON US AFTER ThE POLIcY IS ISSUEd

Reliable loss controlSince 1914, our Loss Control team has been helping businesses protect their assets through:•Phone, online and on-site loss control consultation•Free technical information papers (TIPS) on

controlling loss and limiting exposure•Deep technical expertise to address potential

property losses• A consultative approach that can help lessen

customers’ exposure to costly litigation

Specialized claims serviceThe Hartford promptly and thoroughly evaluates each claim with resources that include:•Specialized claims handlers for property losses•Adjusters experienced in handling the largest,

most complex claims•A low $100K threshold for claims to reach our

large loss handlers trained in complex commercial coverage forms

•Nationwide network of catastrophe claims leaders and handlers

14-0732©August2014TheHartfordFinancialServicesGroup,Inc.Allrightsreserved.

For more information, visit us at ThEhARTFORd.cOm.

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10 REASONS TO PLAcE PROPERTY cOvERAGE WITh ThE hARTFORd

1 Proven reputation – Formorethan200years,TheHartfordhasbeendeliveringonourpromises.TheHartfordwasnameda“World’sMostEthicalCompany”forthesixthtimebytheEthisphereInstitute(2008,2009,2010,2011,2012,2014).

2 Ease of doing business –TheHartfordisalwayslookingforwaystoimproveyourunderwritingexperienceandsavetimeandmoney.

3 Trusted consistency –Despiteachallengingmarketplace,ourappetitehasremainedstableforthepastdecade.

4 Comprehensive coverage offerings –Criticalcoveragesuchasequipmentbreakdownisautomaticallyincludedinthetotalinsuredvalue,upto$100M(higherlimitsavailable).Jurisdictionalinspectionsareperformedatnoextracharge.

5 Unique, tailored property coverage – Youwantcoverageasuniqueasyourcustomers.Historicoruniquebuildingscanbecoveredinavarietyofwaystomeettheneedsofthebuildingowner.Valuationoptionsinclude:reproductioncost,replacementcost,actualcashvalueorfunctionalvalue. Noautomaticco-insuranceapplies.OurGreenChoicecoverageendorsementisautomaticallyincluded,whichreimbursestheinsuredupto$100Kforcoststoupgradetogreenconstructionalternatives(higherlimitsavailable).

6 Industry-specific coverage –TheHartfordoffers30SPICEs(SpecializedPropertyInsuranceCoverageEndorsements)providingadditionalorenhancedcoveragetoaddressuniqueindustryexposures.

7 Dedicated Loss Control consultants –OurlocalLossControlconsultantscanrecommendpracticalsolutionsaimedat addressingpotentialpropertylossesandimprovingoperations.

8 Quick, fair claims handling –Ouradjustersandlegalteamsusereal-timecustomerfeedbacktoachievethebestoutcomesforeventhemostdifficultclaims.

9 Quality customer service – AccessourContractorConnectionnetworkfollowingacoveredloss.Thesecontractorsagree tohighservicestandardsandprovideathree-yearworkmanshipwarranty.

10 Total account solutions available –Offeryourcustomerscompetitivemulti-linecoveragethatmayinclude: •Property•Generalliability•Marine •Commercialauto•Workers’compensation

ThisdocumentoutlinesingeneraltermsthecoveragesthatmaybeaffordedunderaHartfordpolicy.Allpoliciesmustbeexaminedcarefullytodeterminesuitabilityforyourneedsandtoidentifyanyexclusions,limitationsoranyothertermsandconditionsthatmayspecificallyaffectcoverageandallclaimsforcoveragearesubjecttoclaimsadjusting.Intheeventofaconflict,thetermsandconditionsofthepolicyprevail.AllHartfordcoveragesdescribedinthisdocumentmaybeofferedbyoneormoreofthepropertyandcasualtyinsurancecompanysubsidiariesofTheHartfordFinancialServicesGroup,Inc.PossessionofthesematerialsbyalicensedinsuranceproducerdoesnotmeanthatsuchproducerisanauthorizedagentofTheHartford.ToascertainwhetheraproducerisaHartfordagent,pleasecontactyourstateDepartmentofInsuranceorTheHartfordat1-888-203-3823.AllinformationandrepresentationshereinareasofAugust2014.

TheHartford®isTheHartfordFinancialServicesGroup,Inc.anditssubsidiaries,includingissuingcompanies,HartfordFireInsuranceCompany,HartfordLifeInsuranceCompanyandHartfordLifeandAccidentInsuranceCompany.ItsheadquartersisinHartford,CT.

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