The Hartford Appetite Guide
The Hartford appetite across 19 business classes. Available in 48 states + dc (excludes ak, hi).
The Hartford is one of the strongest small commercial markets for restaurants. Their Spectrum BOP includes built-in food spoilage and equipment breakdown that competitors charge extra for. Pair with their workers' comp for a package discount up to 10%. Average BOP cost for fast food restaurants is about $316/month — competitive with Progressive.
Preferred Appetite (14 classes)
preferredRestaurants
Business Owners Policy (BOP) · General Liability · Commercial Property
preferredGeneral Contractors
Business Owners Policy (BOP) · General Liability · Commercial Property
preferredRetail Stores
Business Owners Policy (BOP) · General Liability · Commercial Property
preferredProfessional Services
Business Owners Policy (BOP) · General Liability · Professional Liability
preferredTechnology Companies
Business Owners Policy (BOP) · General Liability · Professional Liability
preferredHealthcare Offices
Business Owners Policy (BOP) · General Liability · Commercial Property
preferredCleaning Services
Business Owners Policy (BOP) · General Liability · Commercial Property
preferredLandscaping & Lawn Care
Business Owners Policy (BOP) · General Liability · Commercial Property
preferredPlumbing Contractors
General Liability · Commercial Property · Workers' Compensation
preferredElectrical Contractors
General Liability · Commercial Property · Workers' Compensation
preferredAuto Repair Shops
General Liability · Commercial Property · Workers' Compensation
preferredBeauty Salons & Spas
Business Owners Policy (BOP) · General Liability · Commercial Property
preferredAccounting Firms
Business Owners Policy (BOP) · General Liability · Commercial Property
preferredHealthcare / Medical
Business Owners Policy (BOP) · General Liability · Commercial Property
Standard Appetite (4 classes)
standardManufacturing
General Liability · Commercial Property · Workers' Compensation
standardReal Estate
Business Owners Policy (BOP) · General Liability · Commercial Property
standardWholesale Distribution
Business Owners Policy (BOP) · General Liability · Commercial Property
standardLaw Firms
Business Owners Policy (BOP) · General Liability · Commercial Property
Limited Appetite (1 classes)
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