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MEET YOUR CONTRACTORS’ COVERAGE NEEDS WITH LONGSTANDING ... Flipbook PDF
MEET YOUR CONTRACTORS’ COVERAGE NEEDS WITH LONGSTANDING PROTECTION AND PREVENTION. MIDDLE MARKET THE HARTFORD CONSTRUCTI
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MIDDLE MARKET
THE HARTFORD CONSTRUCTION GROUP
MEET YOUR CONTRACTORS’ COVERAGE NEEDS WITH LONGSTANDING PROTECTION AND PREVENTION.
General contractors face big challenges: complex structural requirements, changing building codes, tight deadlines and many tough, time-critical decisions. You can simplify one of them – the right insurance protection – with an insurer who understands their industry inside and out. The Hartford can provide tailored coverages designed to meet the unique needs of today’s general contractor. We target general contractors that build: RESPONSIVENESS FROM DAY ONE. Your clients can expect unparalleled service from The Hartford, beginning with underwriting expertise on every risk.
• Commercial grade construction (limited residential varies by state) • Develop annual premiums starting at $50k for general liability only (excluding umbrella) With The Hartford’s business insurance for general contractors, they’ll be covered, and you’ll be the reason why. Make sure they can provide the following: • Five years loss run • Copy of an executed subcontract • Job list, including work in progress • Completed and signed program supplemental application
Prepare. Protect. Prevail.®
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THE HARTFORD CONSTRUCTION GROUP
HELP BUILD A SOLID FOUNDATION OF PROTECTION The Hartford makes it easier to customize coverages to meet the unique needs of general contractors by offering the following coverage extensions: GENERAL LIABILITY
AUTOMOBILE
General Liability Choice® coverage
Commercial auto broad form endorsement
• Waiver of subrogation on blanket basis • Blanket additional insured coverage »» Ongoing and products completed
• Broad form named insured • Additional insured if required by contract • Primary and non-contributory if required
operations coverage
by contract
»» Primary and non-contributory when required
PROPERTY
by written contract, written agreement or by state issued permit
Property Choice® policy
Contractors’ broad form endorsement
• Includes built-in coverages for business income,
• Limited professional liability • Blanket per project and per location
building and business personal property
• Offers optional business interruption and extra
general aggregate
expense coverage to protect business income
• Limited wrap-up coverage (completed
• Broad equipment break down coverage
operations)
• Contractual liability coverage extends to
MARINE
personal and advertising injury
• Includes contractor’s equipment, builder’s risk,
WORKERS’ COMPENSATION
and installation to properly protect your midsize general contractor client
Workers’ compensation broad form endorsement
• One dedicated single point of contact • One quote that includes all of our coverages
• Voluntary comp for no known or anticipated exposure
• Employers liability stop-gap for no known or anticipated exposure
our experienced Risk Engineering professionals can provide consultative services to your clients across the country, including:
ADD PREVENTION TO PROTECTION WITH RISK-MANAGEMENT SERVICES Besides comprehensive coverage, we can provide your clients with ground-breaking service offerings – at little or no additional cost:
• Customer-specific service plans • Full-service, AIHA-accredited Industrial Hygiene Lab1 with services at no additional cost to insureds, such as:
Contract management. The construction contracts your clients sign can make or break risk management. If poorly drafted or executed, contracts can result in large, unnecessary losses. Based on years of experience, The Hartford offers your clients ideas on transferring risk through the use of strong indemnity and insurance provisions.
»» Air monitoring services »» Equipment loan program • A robust portfolio of risk management best practices – to help prevent accidents: »» Fall protection
Risk engineering. We’re committed to helping your clients improve safety and reduce losses. To this end,
»» Eye protection
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THE HARTFORD CONSTRUCTION GROUP
»» Incident investigation
• Support to our insureds with specialized construction general liability claims-handling, with these advantages:
»» Safety and health program management »» Crane safety
»» Dedicated to managing complex or catastrophic liability claims
»» Scaffold safety »» An online library of materials, including best practice bulletins; technical information papers (TIPS); inspection checklists; sample safety and health programs; and written program guides
»» All liability claims under premises or products coverage are monitored from the first notice of loss, regardless of the claim’s value or nature
»» OSHA 10- and 30-hour training seminars »» @Venture®, a state-of-the-art risk management information system »» Pre-construction surveys Claims services. Our intensive ClaimPlus model focuses on servicing each account and provides: • Specialized teams for workers’ compensation, auto or general liability claims.
HELP YOUR CLIENTS FREE UP CASH FLOW WITH XACTPAY® Large workers’ comp premium down payments can tie up contractors’ cash flow. And they often don’t square up with actual payroll, which can fluctuate. To help, we created XactPAY,® a payrollbased workers’ compensation premium billing service, available to commercial customers of all sizes with guaranteed cost insurance programs:
• A range of personnel, so the most experienced handlers can focus on the most serious claims.
• Premiums are based on actual payroll during the policy period
• Nurse case managers available for workers’ compensation lost-time claims and to advise on medical issues.
• No surprises at audit time
• Subrogation specialists that actively pursue recovery opportunities from responsible parties.
• No large up-front deposits • Gives your clients the flexibility to invest cash in other parts of their business
VISIT OUR INFORMATIVE SITE: THEHARTFORD.COM/CONSTRUCTION.
Put The Hartford’s superior offerings to work for your construction industry clients.
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he Hartford’s Risk Engineering Laboratory (ID 100124) T is accredited by the AIHA Laboratory Accreditation Programs (AIHA-LAP), LLC for Industrial Hygiene and Unique Scopes as documented by the Scope of Accreditation Certificate and associated Scope.
This document outlines in general terms the coverages that may be afforded under a policy from The Hartford. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail. All coverages described in this document may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial
Services Group, Inc. Coverage may not be available in all states or to all businesses. Possession of these materials by a licensed insurance producer does not mean that such producer is an authorized agent of The Hartford. To ascertain such information, please contact your state Department of Insurance or The Hartford at 1-888-203-3823. All information and representations herein are as of May 2015. The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including issuing companies, Hartford Fire Insurance Company, Hartford Life Insurance Company and Hartford Life and Accident Insurance Company. Its headquarters is in Hartford, CT. 15-0080 © May 2015 The Hartford Financial Services Group, Inc. All rights reserved.
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