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• Understand Our Coverages
• Workers' Compensation
• Property
• General Liability
• Commercial Auto

In today's litigious society, large organizations are often viewed as having deep pockets. So even the smallest accident could spark a potentially costly lawsuit against your business.

That's why you need the protection of The Hartford's general liability policy. Not only does it protect you if others claim your organization is liable for their loss or injury, but it also includes many enhancements over the industry's standard coverage. Here's what makes our coverage stand out:

1	One single comprehensive contract, that integrates all the coverages you've selected into one convenient, easy-to-read document.
2	Flexibility to customize coverage. Depending on your needs, we can craft a total package that includes customized limits for coverage, retention and deductibles.
3	Coverage for construction firms. We offer an extensive program for contractors that also includes workers' compensation, commercial auto, umbrella insurance and risk management services. Plus, if your workers' compensation premium exceeds $500,000, our specialists will work with you and your broker to customize a loss-responsive program to meet your risk management needs.
4	Enhanced coverages over what's typically available from competing carriers.

Review Our Coverages

Coverages	The Hartford Advantage
Additional insureds	If a written contract requires you to name someone else as an additional insured on your policy, we'll automatically extend that status to them with primary coverage, if that's required.
Incidental malpractice	As long as you're not in the healthcare business, this unique coverage from The Hartford would extend protection to you and your employed nurses, EMTS, or paramedics if they were sued for malpractice.
Fire, lightning and explosion liability	Many liability insurance policies protect renters if they're held liable for fire damage. But The Hartford can protect you if you're contractually obligated to pay for damage caused by fire, lightning, or explosion to premises you rent or temporarily occupy.
Supplemental payments	The limit for the cost of bail bonds is increased to $1,000.
Non-owned watercraft	Non-owned watercraft up to 51' long are covered.
Non-owned aircraft	Covers injury and property damage arising out of the use of chartered, rented or borrowed aircraft with a paid crew.
Property damage liability for borrowed equipment	If your business is held liable for damage to equipment loaned to you or for property in your care, custody or control, this coverage will pay up to the full limit of the policy.
Unintentional failure to disclose hazards	This gives you the assurance that you won't be denied coverage if something happens as a result of a hazard which you unintentionally failed to disclose to us. If you unintentionally fail to disclose a hazard we won't deny coverage because of the failure.
Damage to the property of others	Our liability insurance protects you if you are responsible for damage to the property of others. We extend this coverage to include borrowed equipment that's damaged at your job site while it's not being used.
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