| Essential Coverage; One Simple Policy |
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| Last year, we expanded our professional liability offering to 18 additional classes, which means you can offer this valuable protection to over 30 classes – including accountants, bookkeepers and consultants. A real time-saver, coverage is easily added by endorsement to our Spectrum® Business Owner's Policy (BOP) and requires little or no underwriting review for most of the expansion classes.
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Modeled after how coverage is offered on many stand-alone policies, our program for the expansion classes includes:
- Class-specific endorsements that reflect the professional services provided by a wide range of professional services companies
- Greater flexibility through a broad range of limit and deductible options
- Opportunity to help maximize protection with Extended Reporting Period¹ and Defense in Addition to Limits² options
Also consider that selling both business liability and professional liability through The Hartford can help:
- Ensure coverage is coordinated in the event of a claim
- Eliminate coverage disputes with another carrier if a claim could potentially trigger either policy
- Reduce insurance program administration with the simplicity of one policy and the convenience of one bill
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| TOOLS FOR SUCCESS
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Visit our Professional Liability page on Marketing Central to get the information you need to help sell this important coverage. It includes:
- The classes eligible for our coverage
- Access to agent and customer-facing flyers that go deeper on our offering
- Access to a short video that helps explain the importance of coverage to customers
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| Offer customers a solution that makes it easy to help protect their businesses. Quote Spectrum and talk to eligible customers about adding Professional Liability.
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| ¹ Availability and options vary by state; coverage must be requested and approved. The claim must arise out of the wrongful act or personal injury that occurred on or after the retroactive date and prior to the end of the policy period. |
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| ² Some states require that defense costs limits be offered in addition to damage limits. As such, defense in addition to limits will be included automatically with professional liability coverage in those states. |
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The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries.
The Hartford Financial Services Group, Inc., Hartford, CT 06155. All Rights Reserved. Confidential. No part of this document may be reproduced, published or posted without the permission of The Hartford. All property and casualty policies are underwritten by Sentinel Insurance Company LTD, an affiliate of Hartford Fire Insurance Company, Inc., Hartford Plaza, Hartford, CT 06155. In Washington, this coverage is underwritten by Sentinel Insurance Company, Ltd. In California, it is underwritten by Sentinel Insurance Company, Ltd. (CA lic. #8701). In Texas, the program is underwritten by Sentinel Insurance Company, Ltd.
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| This content provides an overview of coverages and services. Coverages may differ by state. All coverages are individually underwritten. For a complete description of coverage terms, including limitations, exclusions and conditions, refer to the insurance policy. In the event of a loss, the terms of the policy issued will determine the coverage provided. |
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| © Copyright 2016. The Hartford Financial Services Group, Inc. All Rights Reserved. |
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| This email message may constitute a commercial electronic mail message under the CAN‑SPAM Act of 2003. |
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