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As the most predictable type of plan, a guaranteed cost plan fully transfers your risk to an insurance carrier. You pay a fixed rate for your term of coverage, but get no immediate reward for good risk management efforts and results.

How It Works	You fully transfer your organization's risk to an insurance carrier. Your cost is based on a fixed rate per unit of exposure. The Hartford handles all claims.
Types of Organizations That Typically Use One:	Businesses that: want the ease and certainty of a fixed cost for business insurance. don't have the financial resources or the interest in retaining some of their own losses.
Pros and Cons	Paid premiums are generally tax deductible. No immediate reward for favorable experience from risk management efforts; no fluctuation with adverse experience. Your final premium may be higher or lower if your exposure base, payroll, sales, or vehicles, changes during the policy term.
What The Hartford Offers	Financial strength with a top A.M. Best rating. @venture®, The Hartford's risk management information system (RMIS) that gives access to details about your claims. Claim handling services designed to help contain costs after a loss with managed care network referrals, medical bill review, nurse case managers and Team • Work™. Solid key coverages, including property, general liability, workers' compensation and commercial auto. ClaimPlusSM teams that are knowledgeable about your account and consistently deliver agreed upon procedures.
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