Small Business Commercial
USI Affinity has a solid relationship with The Hartford to offer comprehensive small business commercial packages. The Hartford has a sound reputation as one of the top rated insurance companies with a product portfolio to satisfy your insurance needs in today’s diverse small commercial business industry. Listed below are a variety of available coverages.
Property and Liability - Covers common risks associated with small businesses.
Equipment Breakdown Protection – Covers repairs or replaces essential equipment, such as computers, telephone systems, and air conditioner.
Business Income Protection – Reimburses loss of earnings resulting from a covered property loss.
Employment Practices Liability Insurance – Offers a strong defense against employment and related lawsuits.
Products and Completed Operations – Covers costs if your products or services injures or damages others. This coverage is not available for lawyers.
Commercial Automobile – Coverage beyond the standard protection drivers are required to provide. The Hartford bundles 17 coverage enhancements into one policy.
- Hired Auto Physical Damage – Covers physical damages to any automobile a company rents, loans, or leases. The Hartford requires a $50,000 limit for physical damages and liability coverage.
- Hired Auto Foreign County– Provides liability coverage to employees who rent automobiles outside the United States while on business.
- Employees as Additional Insureds– Covers employees who use their personal vehicles to conduct business.
Newly Acquired Organization – Covers a new entity purchased by the insured, automatically, for up to 180 days.
Workers’ Compensation – Provides extra valuable coverage in addition to The Hartford’s standard workers’ compensation coverage, such as:
- Reimbursement for reasonable expenses, including loss of earning connection with workers’ compensation claims
- Voluntary compensation for employees not covered by state statute
Optional Coverage Enhancements
- Increased limits for employers’ liability insurance
- Voluntary compensation for employees who travel overseas
- Medical review for accuracy and applicable discounts of workers’ compensation related medical bills
- Umbrella protection for an event of an unforeseen, catastrophic loss
- Coverage picks up where your primary coverage ends
- The Hartford policy offers limits up to $10 million, including worldwide catastrophic liability that extends to your primary liability, auto liability, employers’ liability, and certain errors and omissions coverages
To learn more about these product offerings, or for a free no-obligation quote, please call USI Affinity at 1-800-254-2327 to speak with one of our insurance professionals.
This website outlines in general terms the coverages afforded under an issued policy. Examine the policy carefully for any exclusion, limitations, or any other terms or conditions that may specifically affect coverage. The terms and conditions of the policy prevail.
Please Note: This program is not available in Alaska or Hawaii.