The Hartford

Personal Lines Products:

Effective January 2018, all new business must meet auto and home appetite below:

Auto Appetite

  • Must be packaged with HO3, HO4, HO5, or HO6
  • All drivers must be ages 45 +
  • No more than 1 Not-At-Fault or violation in past 5 years
  • 100/300+ liability limits with matching UM
  • Prior declarations page showing current auto limits of 100/300+
  • Full coverage vehicles
  • Multi-car household
  • Accurate and verified miles

 

Home Appetite

  • Monoline homes ok
  • Property must be well maintained/show pride of ownership
  • HO3/HO5: $350K Minimum Coverage A
  • HO4/HO6: $50K Minimum Coverage C
  • No prior losses
  • Must include 5K+ water backup
  • Protection class 1-7

 

  • Home – Up to 1.5 Mil in-house. Anything higher will be referred. Single family and duplexes only
  • High Valued Primary and Secondary homes $1.5 mil and over must have central station fire and burglar alarm
  • Must collect down payment of 25% via EFT
  • Tenant occupied HO6 – primary residence must be insured with Hartford
  • DP3 – No more than 4 rental units per insured. Must insure primary home with Hartford
  • Scheduled Personal Property – No losses in past 5 years
  • Umbrella – Must have auto with Hartford with min. limits of 250/500/50
  • Umbrella – Must be written in the name of an individual

Auto
Home
Renters
Condo
Dwelling Fire
Inland Marine
Personal Umbrella
Flood (Quote and Issue for Personal and Commercial Properties)

Commercial Lines Products:

BOPs ($550 minimum premium)
Liability only ($425 minimum premium)
Monoline Auto
Workers’ Compensation (must be packaged)
Middle Market Access

Hartford Definition of Small Commercial Eligibility Thresholds
Data Breach Information Video
Payroll Billing Information Video

Top 10 Classes in 10 California Counties

Accounting Services
Advertising
Associations
Adult Education
Beauty Services
Business/Professional/Personal Services
Claims Reporting: Commercial Auto
Claims Reporting: Liability
Claims Reporting: Property
Consulting Services
Electrician
EPLI
Financial Services
Law Offices
Metal Manufacturering
Medical Offices
Mortgage Brokers
Printers
Retailers
Technology Services/Manufacturing
Third Party Technology Claim Scenarios
Umbrella
Veterinary Services
Wholesalers
And more!

 

Posted in: Carrier Guides