• MAKE SURE YOUR CUSTOMERS CAN GET BACK TO BUSINESS AFTER A LOSS – WITH INCOME PROTECTION

Any business can be seriously impacted by a major storm, data breach or other risks. But a primary reason why many don’t reopen is loss of income. Bills

and payroll come due as usual after a disaster. And no income could quickly mean no business.  That’s why it’s so important to help customers protect

their business income as well as their property. The Hartford’s Spectrum Business Owner’s Policy is designed to help keep small businesses in business

when the unexpected occurs.

• HELP YOUR CUSTOMERS

Unfortunately, many small business owners don’t discover they’re not properly protected until after a

loss. And that can be financially devastating. Help your customers avoid this outcome with The Hartford’s optional business income for off premises

utility services coverage. It includes features that not all insurance companies provide, such as: Minimal wait. Only a 12-hour waiting period after a loss before coverage begins

Generous coverage. A $25,000 minimum limit  Extended terms. 30 days of extended income  protection is automatically included, with an  option to increase coverage to 12 months Protection against business income and extra expense losses, such as those caused by severe weather events where interruption of service results from physical damage or loss to: • Off-premises overhead transmission lines

• Off-premises power, water and communication services; no separate elections or additional premium charges for each service

OFFER OPTIONAL COVERAGE FOR THE UNEXPECTED

Our business income options help your customers replace lost income in all of the situations listed below.

Many of our optional business income coverages are available separately or as part of our cost-effective

Stretch® endorsements. So your customers can make the most of their insurance dollars.