The Hartford Insurance Company continues to dominate the small business liability insurance market with its powerful Spectrum BOP product. More and more businesses are taking advantage of this product’s powerful features and extremely competitive pricing.

The Hartford – Spectrum

As of this writing, The Hartford is targeting the following classes of small businesses for Spectrum insurance coverage:


Application Service Providers
Computer Consultants
Computer Data Processing
Computer Facilities Management
Computer Systems Integration Services
Custom Computer Programming & Application Services
Internet Search & Indexing Tool Provider
Prepackaged Software
Software & Internet Design Services
Technology Service Provider
Website Design & Development Services

Financial Services

Banks, Savings & Loan Institutions
Charitable Foundation
Commodity Broker
Credit Unions
Finance Companies
Financial Planners
Insurance Agencies
Insurance Companies
Investment Companies
Mortgage Banker
Mortgage Broker
Stock Broker
Trust Companies

Professional Services

Accounting & Auditing Services
Animal Hospitals
Architects & Auditing Services
Dental Lab
Engineers & Engineering Services
Laser Eye Surgery Centers
Lawyers & Law Firms
Medical Billing Services
Medical Offices
Other Professional Offices
Radiology Labs
Tax Preparers

Business & Professional Services

Actuarial Services
Advertising Agencies
Art Conservators
Art, Dance, Drama & Music Schools
Art Galleries & Studios
Answering Service
Business, Computer & Secretarial Schools
Claim Adjusters
Court Reporters
Embroidery Operations
Employment Agencies
Funeral Directors
General Offices
Graphic Artists & Designers
Interior Decorators
Interpreter or Translators
Language & Reading Learning Centers
Locksmith Shops
Manufacturer’s Representative Excluding Product
Market Research Firms
Media Duplication
Non-Profit Associations
Notary Public
Patent Agents
Photo Finishing Labs
Photography Studios
Post Production Studios
Public Speaker
Real Estate Agencies
Religious Reading Rooms
Repair Shops
Stenographic & Secretarial Services
Telemarketing Firms
Title Agencies
Travel Agencies
Vacuum Cleaner Sales & Service
Videography Services
Storefront Window Decorators

A Myriad of Coverage Solutions

Below are some of the key ways The Hartford can help mitigate your company’s liability exposure:

-Bodily Injury and Property Damage Liability
-Personal and Advertising Injuries
-Medical Payments
-Damage to Premises Rented to You
-Employment Practices Liability
-Additional Insured
-Building and Business Personal Property
-Computers and Media
-Computer Fraud
-Cyber Liability
-Accounts Receivable
-Property in Transit
-Tenant Obligations
-Off-Premises Utility Services—Business Income

The Hartford Insurance Company’s greater New York City and Long Island coverage area includes Nassau, Suffolk, The Bronx, Queens, Brooklyn, Manhattan, Staten Island, Richmond, and Kings County. Businesses listed above that are domiciled in these areas are eligible to apply for Spectrum BOP coverage with the Hartford at special pricing.

For more information on how to protect your business with extraordinary liability coverage at affordable prices, contact a New York insurance broker.