BROADER AND DEEPER FOR YOUR WORLD
FOR AGENTS AND BROKERS ONLYBROADER AND DEEPERFOR YOUR WORLDM I D D L E & L A R G E C O M M E R C I A L A N D G LO B A L S P E C I A LT Y
IT’S ALL HEREA good partner is one that understands the complex needs of your clients. And with our deep specialization in a wide range ofindustries and an exceptional level of service to match, The Hartford is in the unique position to be that partner for you. We’recommitted to providing you and your mid- to large-size clients all the capabilities you need – regardless of the uniqueness ofthe risk profile – with the ease and simplicity you want.As a broader and deeper risk player, we’re able to offer a flexible, consistent approach. And working together with you,we’ll develop customized product solutions that help mitigate risk and maximize productivity for your clients.From dedicated industry underwriting expertise to risk engineering solutions to industry-leading claims and service experiences –The Hartford has everything you need to build a strong partnership.We’re excited to bring our products, services and innovation to a marketplace that we believe has enormous opportunity.Let’s strengthen our partnership and win more business together.Mo TookerAdrien RobinsonH E AD OF MIDDLE & L ARG ECOM M ERCIALH E AD OF G LOBALSPECIALT YTABLE OF CONTENTS2
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OUR SUSTAINABILITY COMMITMENTAt The Hartford, we deliver accelerated growth, provide attractive returns toshareholders and offer insurance protection to our customers; while pursuingstrong societal and environmental outcomes within communities where ouremployees and customers live and work. Our ESG approach guides sustainableproduct development and supplier diversity, an energy transition strategy forour underwriting and responsible investing practices, supports our investmentsin affordable housing and emotional well-being and enables us to attract andretain top employee talent.As a 211-year-old insurer and asset manager, we want to make sure individualsand businesses are well protected. As a corporate citizen, we want to have animpact in ways that extend beyond underwriting risk. This is why we take actionto align our business with our sustainability priorities. We view underwritinghuman achievement to be at the heart of what we do, and we aim to buildresilience in our communities, empower personal and business success for ourcustomers, and create a culture in which our employees can thrive.TABLE OF CONTENTS4
AWARDS AND RECOGNITIONPROUDLY RECOGNIZED FOR OUR INCLUSIVE CULTUREThe Hartford is consistently recognized for providing a workplacethat meets the unique needs of our employees.Impact Award forInsurance TechnologyBest CompaniesWhere CEOs SupportGender DiversityBest Companies forMulticultural WomenBloomberg GenderEquality IndexBest Companiesfor Women2020 Womenon BoardsA Best Place to Work for LGBTQEquality from the Human RightsCampaign FoundationBest for Vets,Military TimesAmerica’s Most JUSTCompanies – JUST Capitaland ForbesADDITIONALAWARDS RECEIVEDNamed one of the2021 Best Companiesfor Multicultural Womenby SeramountTop Military FriendlyEmployerBest Places to Work fromthe 100% Disability EqualityIndex (DEI)Forbes BestEmployers for DiversityBest Employers: Excellence inHealth and Well-being – PlatinumTop 100Remote WorkDiversity Best PracticesInclusion Index CompanyNamed one of the 2021Best Places to Work in ITby IDG’s Insider Pro andComputerworldNo. 160 Fortune 500 (2020)TABLE OF CONTENTS5
FINANCIAL STRENGTH1OUR STRONG REPUTATIONA.M. BESTMOODY’SS&PHartford Fire Insurance CompanyA A1A Hartford Life and Accident Insurance CompanyA A1A Navigators Insurance CompanyA NRAThe Hartford Syndicate 1221 – Lloyd’s of LondonANRA Hartford Fire Insurance Company and Hartford Life and Accident Insurance Company ratings are on stableoutlook at A.M. Best, Moody's, and Standard and Poor'sFINANCIAL HIGHLIGHTS (AS OF 12/31/2020)20.5b18.6b History as acommercial insurer Maxum Casualty Insurance Company and Maxum Indemnity Company ratings are on stable outlook atA.M. Best 2020 revenues Navigators Insurance Company and Navigators Specialty Insurance Company are on stable outlook at A.M.Best and on stable outlook at Standard and Poor's The Hartford owns and operates Syndicate 1221 at Lloyd’s of London. The ratings shown above areLloyd’s ratingsNR Not ratedShareholder equityMARKET RANKINGS1#Fully Insured Disability22#Absence Management32#Workers' Compensation45#Commercial multi-peril carrier5TABLE OF CONTENTS6
COVERAGE SOLUTIONSFor mid- to large-size clients. Boiler and Machinery Management Liability Bond MultinationalTHE CAPABILITIES YOU NEED Builder’s Risk Ocean MarineOur deep specialization in a variety of industries across underwriting, risk engineering and claims allows usto really be there for you and your clients. With a flexible, consistent approach, we’re able to help you createspecialized solutions for your mid- to large-size clients to better manage risk and achieve better outcomes. Commercial Auto Political Violence Credit and Political Risk Program and Captive Business Cyber and Data Breach Property, including LargeCommercial Property EnvironmentalINDUSTRY SPECIALIZATIONWe understand your clients' business needs. Business and Professional Services Media, Arts and Entertainment Construction Nonprofit Education Institutions Wholesalers & Distributors Energy Real Estate Financial Institutions Retail Healthcare Technology Hospitality Life Sciences Manufacturing General Liability, includingHigh-Hazard Exposures Professional Liability Umbrella and Excess Inland Marine Surety/Fidelity Livestock Workers’ CompensationADDITIONAL OFFERINGS AVAILABLEWHOLESALEY-RISK Navigators, a brand ofThe Hartford Y-Risk, a company of The Hartford,provides customized insurancesolutions and risk managementservices designed for the sharingand on-demand economy.TABLE OF CONTENTS7
One of the largest workers’ compensation providers inthe country – with broad, flexible coverage and cost-savingservices Protection beyond the standard contract, with employers’liability stop gap and foreign voluntary compensationPRODUCT OFFERINGS FORMID- TO LARGE-SIZE BUSINESSESOur workers’ compensation claimsservices help employees recoverfrom injuries, get back to workfaster, maintain productivity andminimize lost-time costs:Discover more about our product offerings for mid- to large-size businesses.Delivers better economic outcomes for larger, loss sensitive accounts by bringing together the idealcombination of consistency, flexibility and people needed to help lower the total cost of risk: With an average tenure of 15 years, our accountteams are experienced, knowledgeable anddedicated to delivering an exceptional customerexperience Patented Total Cost of Risk (TCOR) toolsprovide detailed visibility into our customers’TCOR, allowing them to track progress andmeasure the impact of executed action plans We pride ourselves with stability and flexibilityin our pricing, coverage, structure and collateraloptions Track Risk Explore Opportunities,The Hartford’s RMIS solution, simplifies claimsmanagement while putting the power of dataand analytics behind the identification of costdrivers– iRecover program– Preferred medical networks– Drug review– Traumatic injury capabilities– Proprietary Permanent PartialDisability (PPD) review Customers can elect to bundle or unbundleclaims and The Hartford’s Claims and TPAServices teams are here to deliver differentiatedservice regardless of customer selectionTABLE OF CONTENTS8
PRODUCT OFFERINGS FOR MID- TO LARGE-SIZE BUSINESSES Primary non-contributory status for additional insureds with whom your customer agrees in writing Unique coverages like manufacturers E&O, product recall and crisis management expense Our dedicated Complex Liability Solutions team specializes in hard-to-place products andpremises risk, with admitted paper capability Contractual review capabilities to help with risk transfer Ability to offer supported excess and umbrella capacity Deductibles, first retentions or first dollar New Property Choice (phased roll-out started in fall 2021) with greater flexibility in setting limitsand the ability to exclude coverage entirely. Plus, you select and pay only for the coverages you need Industry-specific, highly-tailored forms and endorsements, blanket limits and loss limit capabilities,equipment breakdown and business interruption The Hartford Property EliteSM and The Hartford Property Elite GlobalSM are designed for larger-sizebusinesses with more complex risk. Each provides catastrophe perils with flexible limit/deductibleoptions, other optional coverages and multinational capabilities Capability to support excess property, quota share and shared/layered programs Dedicated Property Risk Engineering and Claims professionals focused on delivering an exceptionalcustomer experience Additional specialized property coverages include: contractor’s equipment, ocean cargo, builder’s risk,equipment breakdown and business interruption Enhanced proprietary broad form at no extra charge Exclusive downtime loss and rental reimbursement & towingcoverage endorsement Solutions from our Risk Engineering team to improve fleet operationsand reduce losses Specialized claims service with a network of over 1,000 repair shops 25M umbrella and excess capacity for protection against catastrophicliability events Unique coverage and structure solutions to fit any risk, simple or complex Superior ease of business with market leading speed of quotes andpolicy issuance Specialized and experienced claims handlers provide an exceptionalcustomer experienceTABLE OF CONTENTS9
C ontractors Professional Liability – Third-party professionalliability coverage for contractors who perform or contract fordesign-related and other professional services; generally writtenon a combined form with contractors pollution liability coverage C ontractors Pollution Liability – Environmental damage,property damage and bodily injury coverage for pollutionincidents caused by contractors at a third-party job siteCUSTOMER PROFILE:GENERAL AND TRADE CONTRACTORS OFALL SIZES Site Pollution Liability – Policies for insuringPRODUCT OFFERINGS FOR MID- TO LARGE-SIZE BUSINESSESproperty owners’, buyers’ or operators’ on- andoff-site environmental exposures to environmentaldamage, property damage and bodily injury arisingout of pollution incidents on, under or migratingfrom an owned, operated, leased or managedproperty. New modernized form that addresses the ever-changing needs of the construction industryPROPERTY OWNERS AND OPERATORS OF Owners and contractor-based programsALL SIZES Flexible single project or open reporting master builder’s risk programsIntegrated GL/Pollution Liability (NP3) – ISO- Time element/delay/soft cost availabilitybased general liability including affirmative products Boiler & machinery coverage including start-up and testingpollution coverage, paired with a full menu-driven In-house per project capacity over 500M; will entertain projects in excess of 1Bsuite of pollution coverages, and excess and cyber Contractor’s block available including contractor’s equipment and installation coverageliability coverages. Green builder’s risk coverages extend protection to numerous green items and provide additionalcoverage for green building commissioning and certification expenses, vegetative roofing, debrisrecycling and indoor air quality restoration, for covered lossesTARGET INDUSTRY SEGMENTS, INCLUDINGPRODUCT MANUFACTURERS AND DISTRIBUTORSTABLE OF CONTENTS10
PRODUCT OFFERINGS FOR MID- TO LARGE-SIZE BUSINESSESMore than 40 inland marine forms, offeredacross a variety of industries, provide specializedcoverage including: Warehouse Legal Liability Motor Truck Cargo Contractor’s Equipment Equipment Rental and Sales Builder’s Risk Installation Renewable Energy Equipment Shipper’s Interest Associated Real and Personal PropertyInsurance solutions underwritten by a nationalteam of innovative and experienced ocean marinespecialists: Ocean Cargo, including specific coverages neededfor industries like construction, manufacturing,technology, energy, maritime and transportation Hull and Protection and Indemnity Marine General Liability Associated marine liabilities Legal Liability – ship repairers, terminal operators,stevedores and charterersTABLE OF CONTENTS11
PRODUCT OFFERINGS FOR MID- TO LARGE-SIZE BUSINESSES ontrolled Master Program, Exporter’s andCPassport packages available. Through ourdirectly-managed network of 89 local andregional insurers we provide: Coverage solutions in over 220 countries S upport for all of The Hartford’s segments/products Efficient local policy issuance Coordinated claims handling Timely resolution of all service requests An award-winning, cutting-edge, cloud-basednetwork management and engagementplatform that provides: Real-time collaboration amongThe Hartford's network offices around theworld B roker and client view into accountinformation including local policyinstructions, issuance and payment statuses,policy document downloads, and all networkrelated correspondenceBUSINESS TRAVEL ACCIDENT Traditional accidental death anddismemberment Medical evaluation, repatriation and out-ofcountry medical coverage Travel assistance coverages and services Benefits paid in addition to workers’compensation or other mid- to large-sizeoverlapsCOVERAGE THAT GOES FARAND WIDETHE HARTFORD CONTROLLED MASTERPROGRAM (CMP) *U.S. BASED POLICY COVERINGFOREIGN RISKTHE HARTFORDPASSPORT PACKAGEPackage foroccasional internationalbusiness travelTHE HARTFORDEXPORTER’S PACKAGENon-AdmittedForeign PackageU.S. BASED MASTERPOLICYIncludes difference-in-limitsand difference-in-conditionscoverage around LocallyAdmitted PoliciesLOCAL ADMITTEDPOLICIESIssued by locallylicensed carriers withinThe Hartford’s GlobalInsurer NetworkCOVERAGE OPTIONS:COVERAGE OPTIONS:COVERAGE OPTIONS:COVERAGE OPTIONS:General LiabilityGeneral LiabilityGeneral LiabilityGeneral LiabilityProduct LiabilityProduct LiabilityProduct LiabilityAuto LiabilityAuto LiabilityAuto LiabilityAuto LiabilityForeign VoluntaryWorkers’ Compensation/Employers LiabilityForeign VoluntaryWorkers’ Compensation/Employers LiabilityForeign VoluntaryWorkers’ Compensation/Employers LiabilityLocal Workers’Compensation and/orEmployers LiabilityPropertyPropertyPropertyPropertyTravel Support ServicesTravel Support ServicesTravel Support ServicesBusiness Travel AccidentBusiness Travel AccidentBusiness Travel AccidentKidnap, Ransom, ExtortionKidnap, Ransom, ExtortionKidnap, Ransom, ExtortionCargoCargoCargoProfessional Liability/E&OProfessional Liability/E&OFinancial Lines/Management LiabilityFinancial Lines/Management LiabilityConstructionConstructionThe Hartford is ready to helpyou meet global challenges andBusiness Travel Accidentprevail – wherever you conductbusiness. Whether you need tocover employees traveling abroador a whole overseas enterprise,The Hartford can offer the rightpackage of protection.Defense Base Act (DBA)*** Also available: Cash Flow CMP – large loss sensitive and captive programs**For technology and light manufacturingTABLE OF CONTENTS12
Construction Surety – General building, heavy/civil, and first-tier subcontractors and specialty contractorswith work programs of 25M to 1B PRODUCT OFFERINGS FOR MID- TO LARGE-SIZE BUSINESSES Commercial Surety – Companies of all sizes and individuals that require performance, judicial, compliance,miscellaneous and fiduciary bonds Crime (Fidelity/ERISA Bonds) Coverage for political risks, such as expropriation, political violence and currency inconvertibility for corporateand private equity client investments Cyber Risk Non-payment coverage on trade and export finance exposures for financial institution clients Directors & Officers Liability In-house, economist led research team helps clients understand the geopolitical landscape Employment Practices Liability Errors & Omissions (Professional Liability) Fidelity Fiduciary Liability Financial Institutions Research and client consultation on geopolitical risks that may threaten business assets located within the U.S.and globally Coverage provided for property damage and ensuing business interruption arising from an act of sabotage andterrorism, strikes, riots and civil commotion, insurrection, rebellion and war on land among other perils Kidnap & Ransom/Extortion Transactional Liability, including Representations andWarranties (R&W) for M&A transactionsTABLE OF CONTENTS13
PRODUCT OFFERINGS FOR MID- TO LARGE-SIZE BUSINESSESOffering program-specific tailored coverage and endorsements,our specialty programs include a mix of open and administeredprograms writing all lines (except where noted): Adaptive Mobility Alarm Contractors – Service and monitoring Arborists – All lines except workers’ compensation Architects and Engineers – All lines exceptprofessional liability Botanical Gardens Charter Schools – Workers’ compensation only Equipment and Party Rental Specialized livestock and animal mortality insurance Package Distribution– Workers’ compensation only On-premises and in-transit production livestock coverage solutions – primarily cattle, swine and poultry Pool and Spa Contractors Higher-value horse, cattle and dog mortality coverage Railroad Contractors Available in the U.S. and Canada Security Guards – Workers’ compensation only Specialized Truck and Trailer Equipment (STEP) Single Parent, Group and Agency Captives Dedicated program manager and underwriting team C ore coverages: Workers’ compensation (primary), auto liability/auto physical damage, generalliability Ancillary coverages: professional liability, umbrella, property, inland marine Elect bundled or unbundled claims while receiving differentiated service fromThe Hartford's Claims and TPA Services teams Ability to work with multiple domicilesTABLE OF CONTENTS14
Life science expertise combined withspecialty insurance products:INDUSTRY-SPECIFIC SOLUTIONSHere are some examples of how we put our expertise into action and apply our productsfor specific industries.Our wide range of solutions include:Casualty solution can include: General Liability Workers’ Compensation Automobile Automobile Liability Workers' Compensation Primary General Liability Umbrella Umbrella Owner Controlled Insurance Program (OCIP) Contractor Controlled Insurance Program (CCIP) Contractors Professional & Protective Indemnity(CPPI) Owners and Contractors Protective Liability(OCP) Railroad Protective Liability (RRP)Property, Builder's Risk, Contractor's Equipmentand Excess coverage are also provided. The Hartford Life Sciences EliteSMcombines four critical coverages – productand professional liability, human clinical trialliability, errors and omissions liability and cyberliability into one form to address gaps betweendifferent exposures One-stop shop for your life science clients. Ourspecialty insurance products include:» Package policies include property, premisesliability, umbrella, inland marine, crime,equipment breakdown and workers’compensation» Excess Follow-Form Liability» Products and Professional Liability» Admitted coverage is available in some statesfor primary and excess Our industry-specific coverages:» Covers research materials, prototypes andspoiled, contaminated or condemned property» Helps protect against property and liabilityrisks that can occur during pre-clinical andearly stages of development, as well asfull manufacturing, distribution, contractmanufacturing and global operations More than 30 years of experience insuringmedical innovationSpecialized coverage and expertise forthe media, arts & entertainmentindustry: Technically skilled underwriters in live events,film production as well as a broad range ofartistic and media-related exposures Customizable account solution for all Property& Casualty lines including:» ISO-based property, inland marine andgeneral liability with our proprietaryindustry coverage and rating for specializedinsurance productsSpecialized coverage and expertisefor the technology industry: More than 30 years of experience writingtechnology business of all sizes with over100K insureds Nearly 100 employees dedicated to technologyunderwriting, claims and risk engineering Customizable product and service solutionsto meet the evolving needs of your technologyclients as they grow Holistic offering includes FailSafe suiteof flexible professional liability and cybersecurity and multinational coverages Life sciences leadership team with an averageof more than 20 years of experienceTABLE OF CONTENTS15
OTHER CAPABILITIESWholesale DistributionNavigators, a brand of The Hartford, offers E&S insurance through the wholesale distributionchannel, providing creative, often bespoke solutions that address brokers' hard-to-place risks. Deep expertise: Our team is comprised of dedicated underwriters that have thetechnical know-how and product expertise to meet clients’ unique risk requirementsand insure markets that others won’t Unparalleled service: We prioritize personal, hands-on engagement with brokersand policyholders, and move quickly on critical issues Responsive products: Our broad array of products combined with our flexibility help us placeeven the most complex risksPROPERTY AND CASUALTYOUR EXPERIENCEDWHOLESALE TEAM Excess Casualty Primary Casualtyprovides America’s Transportationleading wholesale brokers Propertywith creative solutionsthat address their mostcomplex and hard-toplace risks, backed byoutstanding service. Inland MarineENVIRONMENTAL Contractors Pollution Liability Excess Coverage– I ntegrated General Liability, Products Pollution,Pollution and Excess– Site Pollution Integrated CasualtyFINANCIAL LINES Cyber Risk Directors & Officers (D&O)MGU/DUA Capabilities Global Specialty has a diverse portfolio of products across manydifferent business segments in the U.S. and internationally throughour Lloyd's Syndicate Utilizing our underwriting expertise in combination with closebroker distribution partnerships, we look to access niche types of riskclasses and specialty products segments through delegated authorityarrangements with MGUs/DUAs MGUs/DUAs allow insureds within niche categories and geographicregions the ability to access and customize our products to meet theirinsurance risk transfer needs Errors & Omissions (E&O)TABLE OF CONTENTS16
THE HARTFORD SERVICE 360 – DELIVERINGTHE RIGHT SERVICE, AT THE RIGHT MOMENT,TO EACH OF OUR UNIQUE CUSTOMERSOUR COMMITMENT TO SERVICECoverage is only part of the equation. Consistent service in moments of need is what completes the experience. The coverage andindustry knowledge we provide agents and clients is crucial to their businesses. But it’s only one piece of our relationship. Service,delivered how and when it’s needed, is what helps the insured take full advantage of what they’ve purchased. In Middle & LargeCommercial, we combine our coverage and deep i l capabilities - We deliver consultation andtechnical support remotely by phone, email orlive video streaming– S pecialized services – Ergonomics, certifiedindustrial hygiene consulting services andTechnical Property Specialty Services– In-house lab – Our industrial hygiene lab is AIHAaccredited8 and one of only four in the UnitedStates T echnical expertise and consultation –Our Risk Engineering team provides results-orientedsolutions and value to our business customers– R obust training – Technical information safetypapers on a variety of important topics T he right consultant for each customer –It’s how we deliver tailored solutions, drive lower lossratios and improve bottom-line results Satisfied customers – We have the success stories toprove it; customers say we consistently exceed theirexpectationsSAVINGS GENERATEDPROFESSIONAL DESIGNATIONSA sample of recommendations made by our Risk Engineering consultants generated these savings on average7:Operational efficiencies 18kDirect cost avoidance 151kIndirect cost avoidance 211kTotal return on investment 374 kOur specialists are regionally located to address the needs of ourcustomers across the country.75% of our consultants are professionally certified or haveadvanced degrees, including: Associates in Risk Management (ARM)OUR CONSULTATIVE APPROACH Certified Fire Protection Specialist (CFPS) Focused – We evaluate customers’ end-to-end processes and provide practical solutions to manage risks,while improving operations Construction Health & Safety Technician (CHST) Certified Industrial Hygienist (CIH) Bottom-line oriented – We deliver positive financial outcomes for our customers Certified Loss Control Specialist (CLCS) Certified Professional Ergonomist (CPE) Certified Safety and Health Manager (CSHM) Certified Safety Professional (CSP)TABLE OF CONTENTS19
BETTER DATA HELPS ACHIEVE BETTER OUTCOMESThe Hartford’s Insight Factory is an entire process built aroundbetter outcomes for customers. Not only do we have more data fromboth group benefits and workers’ compensation, we also have thepeople who know what to do with it. Our claims experts are using datafor root-cause analysis to identify the biological, psychological andsocial characteristics that can impact a claim; then leveraging that datafor greater insight into developing actionable claims solutions.DATATALENT ANDSYSTEMS120M datainvestments,125 claims dataand analytics experts CLAIMS4.858%1M 60%Customers’ claim experience star rating6Fewer Opioid Prescriptionsto our claimants since 20159Vigilant Return-To-Work ProgramMedical providers in our outcomebased networkExceptional Medical ManagementSavings (on average) forcustomers on medical bills10Combined groupbenefits and workers’
One of the largest workers’ compensation providers in the country – with broad, flexible coverage and cost-saving services Protection beyond the standard contract, with employers’ liability stop gap and foreign voluntary compensation Our workers’ compensation claims servic
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This presentation and SAP's strategy and possible future developments are subject to change and may be changed by SAP at any time for any reason without notice. This document is 7 provided without a warranty of any kind, either express or implied, including but not limited to, the implied warranties of merchantability, fitness for a .
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Den kanadensiska språkvetaren Jim Cummins har visat i sin forskning från år 1979 att det kan ta 1 till 3 år för att lära sig ett vardagsspråk och mellan 5 till 7 år för att behärska ett akademiskt språk.4 Han införde två begrepp för att beskriva elevernas språkliga kompetens: BI
