Insurance COMPARISON CHECKLIST

Factors to Consider The Hartford... Other Carrier
Financial stability and claims-paying ability of the insurer One of the nation's oldest and largest insurers, with $27.1 billion in revenues. Highly rated by A.M. Best and Standard & Poor's and a Fortune 100 company.  
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Insurer's commitment to small businesses Has long led the industry in tailoring insurance programs for all types of small businesses. The Hartford also provides risk management tools to small business owners around the country.  
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A one-stop source for small business insurance Offers a wide range of solutions for small businesses, including:
  • SPECTRUM an economical insurance package that covers the spectrum of property and liability risks
  • Workers' compensation insurance, that goes far beyond mandated coverages
  • Commercial auto insurance that includes valuable enhancements—at no extra charge
  • Innovative e-commerce insurance
  
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Insurance that's tailored to your particular industry Offers tailored packages for hundreds of different types of small businesses.  
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Economical ways to increase your protection Special cost-saving supplements tailored for different industries called the Stretch endorsement. For one low fee, this endorsement "stretches" your coverage by increasing the kinds of protection that are generally significant to each particular industry. Plus we offer many options you can add to your plan based on your specific needs.  
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Protection in case of equipment breakdowns One of the only insurers to automatically include coverage for equipment breakdowns in its enhanced insurance plans for small businesses.  
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Reimbursement for lost income Would automatically reimburse you for lost income up to 12 months following a covered loss. We even cover extra expenses you may need to get back up and running, like renting temporary office space.  
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Protection against computer fraud This coverage helps protect you if someone steals your money, securities or other property "electronically" through the computer.  
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Comprehensive coverage for your commercial vehicles Offers commercial auto coverage that includes valuable enhancements in a variety of areas at no extra cost.  
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Accessible and affordable Workers' Comp insurance Specializes in  workers' compensation insurance for small businesses that is second-to-none. Includes expanded protection in key areas, 24/7 claims reporting, and state-of-the managed care services.  
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Protection against employee lawsuits Automatically includes some employment practices liability coverage in its small business plans. Also makes it easy to add higher levels of protection in this key area.  
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Dedicated service for small business owners Service Centers around the country dedicated to serving small business owners. Working closely with your agent, our small business professionals are ready to respond to your questions or needs.
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Commitment to helping you prevent losses One of the industry’s most highly respected teams of risk management consultants. These consultants offer small business owners all kinds of educational information on how to protect their business.  
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Commitment to helping you contain costs after a loss Focused on helping small businesses save money with such services as managed care to limit workers' compensation exposures and litigation management to minimize legal expenses in liability claims.  
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Flexible payment plans Offers a variety of premium payments plans to help you meet your cash flow needs. Also offers the convenience of automatic deductions from your checking account at no extra charge.  
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Superior claims handling A nationwide network of claims personnel focused on promptly and professionally handling your claims.   
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This document outlines in general terms the coverages that may be afforded under a Hartford policy. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail. All Hartford coverages described in this document may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc.

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USAA is acting as an agent through its insurance agency affiliate, USAA General Agency, Inc. or USAA Insurance Agency, Inc. The USAA Business Insurance Program offered through the agency affiliate is available only to persons eligible for USAA membership. The Hartford Fire Insurance Company and its affiliates provide the insurance for this program. All insurance applications are subject to underwriting to determine acceptability. Product availability and coverage may vary by state. Insurance descriptions are general in nature. Please refer to your policy for full disclosure of coverages, limitations and conditions.