The Hartford

For Underwriting and service requests, please call WIAA at 800-553-4221. For Claims and Billing, please call The Hartford at 800-624-5578.

Personal Lines Products:

All new business must meet auto and home appetite below:

Auto Appetite

  • Stand alone OK. Packaged business preferred
  • Mature households ages 50+
  • Higher limits 100/300K+
  • Good driving history
  • Good/higher insurance score
  • Full coverage vehicles
  • Multi-car household
  • Prior insurance history
  • Accurate and verified miles

Home Appetite

  • Packaged with auto preferred but monoline homes OK
  • Property must be well maintained/show pride of ownership
  • HO3/HO5: $200K Minimum Coverage A
  • HO4/HO6: $25K Minimum Coverage C
  • No prior losses
  • Good/higher insurance score
  • Deductible $1,000+


  • 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

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
Adult Education
Beauty Services
Business/Professional/Personal Services
Claims Reporting: Commercial Auto
Claims Reporting: Liability
Claims Reporting: Property
Consulting Services
Financial Services
Law Offices
Metal Manufacturering
Medical Offices
Mortgage Brokers
Technology Services/Manufacturing
Third Party Technology Claim Scenarios
Veterinary Services
And more!


Posted in: Carrier Guides