PERSONAL LINES  |  SEPTEMBER 2015         AGENT eNEWSLETTER     FOR YOUR INFORMATION: RIDE SHARING EXPOSURES   TNCs typically offer a ride sharing service that uses smartphone applications and other internet-based platforms to connect passengers with drivers who use personal autos to provide transportation services for a fee (sometimes called a "donation").   The Hartford's Personal Automobile Policy's Liability Coverage contains an exclusion for an insured's liability arising out of the ownership or operation of a vehicle while it is being used as a public or livery conveyance. This exclusion applies during all phases of "ride sharing", starting with when the application is turned on, when a match for a ride is made, and when ultimately there is a fare paid in the auto. Similar exclusions also apply to all coverages in the policy, such as Medical Payments Coverage, Uninsured Motorists Coverage and Coverage For Damage To Your Auto.   The Hartford does not offer an endorsement which would provide the coverage necessary for TNC drivers who use their vehicles for ride share services. Ride sharing companies do not provide complete coverage during all phases of the transaction, and these risks should not be placed with The Hartford.   As always, we welcome your comments and suggestions; click here to send us an email or contact your Personal Lines Sales Representative. IN THIS EDITION  September 2015   FEATURED » VIDEO: Restoring Lives is the Claims Mission » Producer Bulletins NEWS » New & Improved iMarket Launched September 11 » For Your Information: Ride Sharing Exposures AGENCY SPOTLIGHT » Agency Spotlight – The Insurance Mart SALES » Event Kits Are A Good Way To Generate New Business » iMarket Gives Authorized-To-Offer Agents Exclusive Access To AARP-Approved Marketing Materials HARTFORD SCHOOL OF INSURANCE » Do You Have a Producer Who Would Benefit from 1:1 Personalized Sales Coaching? TRAINING CORNER » Training Corner » Leave Feedback » View Entire Newsletter RESOURCES           •  Log in to the EBC                 •  Claims           •  iMarket           •  Products & Services           •  Marketing           •  eNewsletter Archive WHY THE HARTFORD – WE INVEST IN YOU   Here at The Hartford, we continuously invest in our independent agents to better serve you and your clients. We recognize that our mutual success is based on how hard we are working for you – generating tools, products and support to help you to succeed.   The information provided in these materials is intended to be general and advisory in nature. It shall not be considered legal advice. The Hartford assumes no responsibility for legal compliance with respect to your business practices or operations, and the views and recommendations contained herein shall not constitute our undertaking, on your behalf or for the benefit of others, to determine or warrant that your business practices or operations are in compliance with any law, rule or regulation. Readers seeking resolution of specific business issues or concerns regarding this topic should consult their attorney, human resource professional, or other business advisors.