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INSURANCE SOLUTIONS - Provided by The Hartford

General Liability

Coverage Offerings

• Occurrence Form-Limit of Liability - $1,000,000 per occurrence, $2,000,000.annual aggregate (Defense costs are outside the limit of liability)
• Products/Completed Operations Aggregate - $2,000,000.
• Fire Damage - $300,000 any one fire.
• Medical Expense - $10,000 any one person.
• Employee Benefits Liability - $1,000,000 (optional).
• Stop Gap Coverage - $1,000,000 (optional).
• Waiver of Subrogation (optional).
• Per Project Aggregate Limits (optional).
• Contractors Broad Form Endorsement (includes per project aggregate)
• Contractors Blanket Additional Insured (Part of Standard Form).
• Additional Insured Endorsements Available - CG 2037 07/04 or CG 2010 07/04.

 

 

Coverage Enhancements

• Primary and Non-Contributory Language.
• Broadened Additional Insured Definition to Include Entities Required by Written Contract.
• Products/Completed Operations Extends Coverage to Protect the Insured (your work) Completed by Insured's Sub-contractors.
• No Residential Exclusion.

 

 

Coverage Exclusions and Limitations

• EIFS Exclusion
• Asbestos Exclusion.
• Lead Exclusion.
• Mold Exclusion.
• Silica Exclusion.
• Absolute Pollution Liability Exclusion.
• Wrap-Up Exclusion.
• Independent Contractor and Subcontractor Coverage Requirement.
• Amendment of Other Insuring Agreement Known Injury or Damage

 

 

Policy Claim Deductible

• $2,000 per Claim Minimum.

 

 

Excess and Umbrella

• Coverage Available Up to $5,000,000.

 

 

Property, Workers Compensation, Auto, Inland Marine and Crime

The Hartford provides many additional coverages

• Property
• Workers' Compensation
• Automobile
• Inland Marine
• Crime

 

 

This document provides an overview of coverages, services and underwriting appetite. Coverages may differ in availability by state. All coverages are individually underwritten, and the decision to accept or reject a risk is within the sole discretion of The Hartford. For a complete description of all coverages, terms and conditions, refer to the insurance policy. In the event of a conflict, the terms, conditions and exclusions of the policy prevail.

 

 

 

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