Specialty & Niche Market Business Liability Insurance Programs

The ACE USA International Advantage Policy is designed especially for those mid size and large businesses that:

• Have employees who travel overseas or are temporarily or permanently stationed in foreign countries.
• Have international operations or sales offices.
• Participate in international exhibitions or trade fairs.
• Export products.
• Have foreign licenses selling their products .
• Sponsor trips, tours or study groups abroad.
• Advertise or sell products or services on the Internet, allowing purchases by people in foreign countries.

The international protection is offered only when The Hartford also writes the domestic account.

Protecting Farmers - A Hartford tradition Since 1916

Because of the importance of animals to a farmer’s livelihood, The Hartford has been insuring livestock since 1916.

From the loss of a mare who was like a member of the family to ensuring safe transit of livestock, The Hartford has helped farmers recover from losses - and stay in business - for more than 80 years.

Focused on Your Business

We believe that the best people to handle your insurance needs are people who know agriculture. That’s why we have staffed our Agricultural Insurance Center with knowledgeable underwriters capable of handling all aspects of an insurance policy.

Livestock Insurance

Since 1916, The Hartford has been there for the livestock community -- whether it’s a fire in Kansas City, a truck wreck in Texas, or a blizzard in Nebraska. Throughout these events and more, The Hartford has met its obligations promptly and helped each operation get back on its feet.

INDUSTRY OVERVIEW: Construction is one of the largest industries in the country, representing 8% of the total economy and a significant opportunity for The Hartford.

The construction industry is divided into three major segments:

• General Building Contractors build residential, industrial or commercial buildings.
• Heavy Construction Contractors build highways, streets, bridges, sewers, tunnels and other projects.
• Special Trade Contractors are engaged in specialized activities such as plumbing, HVAC, painting, paperhanging, electrical, masonry, stone setting, plastering, drywall, interior carpentry, flooring, siding, sheet metal, concrete work or water well drilling.

Standard Construction handles experienced Special Trade Contractors; those where 95% or more of their operations involve low-to-moderate-hazard exposures. Standard Construction writes only Guaranteed Cost rating plans.

Specialty Construction focuses on moderate-to-heavy construction (street & road, steel erection, large commercial GCs) as well as Special Trade Contractors with more than 5% of their operations involving moderate-to-high-hazard exposures (e.g., manufacturing and industrial contractors with millwright & rigging). Specialty Construction writes both guaranteed cost and loss-sensitive rating plans. Submissions with a request for both loss-sensitive and guaranteed cost options are handled by Specialty Construction.

Marine & Bond round our portfolio by offering specialized coverages across the industry.