AGENT eNEWSLETTER NEW SPECTRUM® OPTIONAL COVERAGES COMING IN MARCH   In most states, effective March 11, we will… expand our optional coverages to include the following new coverages: Fraudulent Transfer, which helps replace loss of money, securities and other property that results from fraud committed through, among others, the use of electronic, cable or telephone instruction. Unmanned Aircraft (Drones), which offers liability and/or property coverage for commercial operations (e.g.: taking pictures or videos for compensation). Ideal for contractors, consultants, photographers and more. Business Income Extension for Essential Personnel, which helps cover lost business income and extra expenses due to the sudden, unplanned absence of a key employee. improve the competitiveness of our optional Employee Dishonesty coverage by splitting the current endorsement into two endorsements: Employee Dishonesty coverage, which will exclude ERISA coverage. Welfare & Pension Plan ERISA coverage, which includes ERISA coverage and will closely mirror The Hartford's stand-alone Bond coverage. To help you sell these valuable options, new marketing materials will be available on Marketing Central on March 10.   WE CONTINUE TO MAKE OUR BEST EVEN BETTER These enhancements, all available by endorsement to our Spectrum® Business Owner's Policy, make it easy to deliver the protection your customers need. And they'll appreciate the simplicity of one policy and the convenience of one bill.   For questions in the meantime, contact your Hartford sales representative or underwriter.   Experience the difference. Quote Spectrum for your small business accounts and give yourself a competitive advantage.   Prepare. Protect. Prevail. With The Hartford.®   The Hartford® is Hartford Fire Insurance Company and its affiliated property and casualty insurance companies, 690 Asylum Avenue, Hartford, CT 06155. Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. In TX, this insurance is written by Sentinel Insurance Company, Ltd., Hartford Casualty Insurance Company, Hartford Lloyd's Insurance Company, Property and Casualty Insurance Company of Hartford, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Hartford Accident and Indemnity Company and Hartford Fire Insurance Company. In CA by Sentinel Insurance Company, Ltd. (CA license # 8701) and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155. © Copyright 2017. The Hartford. All Rights Reserved.