This document discusses The Hartford insurance company's products tailored for wholesalers. It highlights that wholesalers have large amounts of property, equipment, vehicles, and inventory that need insurance coverage. The Hartford offers a Business Owner's Policy, Workers' Compensation, and Business Auto insurance with enhancements tailored for wholesalers, such as coverage for off-premises utility outages and dependent property losses. The Hartford also partners with other companies to help mitigate risks for policyholders' employees.

1. SMALL COMMERCIAL
Prepare. Protect. Prevail. With The Hartford.SM
SHELVES FULL OF POTENTIAL
Unlike other industries, wholesalers:
 Operate fleets of vehicles and heavy machinery
 Own vast amounts of commercial property, fixtures and equipment
 Have trillions worth of merchandise sitting on their shelves and in transit
Wholesalers are eager to find ways to reduce accidents and make their staff more productive.
As a result, they’ll find The Hartford’s innovative approach more than just compelling – it’s a
key to success!
HOW TO TELL WHICH WHOLESALERS HAVE THE GOODS
It’s no question that wholesalers will be interested in doing business with you and
The Hartford. Here are some items we consider desirable when evaluating the
eligibility of a new wholesale customer:
 Equipment in good condition; appropriate training on proper use provided to
employees
 Commitment to safety (e.g. installation of sprinklers and alarms)
 Storage practices compliant with National Fire Protection Association (NFPA)
 Limited or no off-premises exposures (e.g. installation, service or repair of
products sold) or delivery activities
 Durable goods (depending on type of wholesale business)
 Proper controls for imported products (e.g. Hold Harmless Agreements)
We understand a wholesale customer may be top shelf, but here’s an inventory of items
we find less appealing:
 Manual lifting/moving of items
 Prevalence of confined spaces/narrow aisles
 High exposure to theft and highly-combustible inventory (continued on back)
A $5 TRILLION INDUSTRY WITH 300,000 POTENTIAL CUSTOMERS.1
NOW THAT’S A WHOLESALE OPPORTUNITY.
We’re on board!
When it comes to the wholesale
industry, we’re ready to handle
truckloads of business. We’re
particularly interested in writing
business for:
BOPs with:
 Maximum Sales/Payroll per
location: $7.5M
 Maximum Sales/Payroll per
account: $15M
 Maximum Property Values
per location/per account:
$7.5M/$15M
Workers’ Comp that have a:
 Maximum Payroll per
account: $2M
Business Auto (monoline)2
with:
 Maximum Power Units: 25
FAST FACTS | WHOLESALERS
1 http://www.naw.org/about/industry.php.
2 This max doesn’t apply if you also write a
Hartford BOP or Workers’ Comp policy.

2. This document contains only a general description of coverages that may be provided and does not include all of the
features, exclusions and conditions of the policies it describes. Coverage is subject to the policy terms and is individually
underwritten. Please refer to the actual policies for complete details of coverage and exclusions. In the event of a conflict,
only the terms of an actual issued policy will prevail. Coverage may not be available in all states or to all businesses.
The Hartford® is The Hartford Financial Services Group, inc. and its subsidiaries, including issuing companies, Hartford Fire insurance
Company, Hartford Life Insurance Company and Hartford Life and Accident Insurance Company. Its headquarters is in Hartford, CT.
Coverage is underwritten by Hartford Fire Insurance Co. and its property and casualty insurance affiliates. In TX, this insurance is
written by Sentinel Insurance Company, Ltd., Hartford Accident and Indemnity Company, Hartford Fire Insurance Company, Hartford
Insurance Company of the Midwest, Trumbull Insurance Company and Twin City Fire Insurance Company. In WA, this insurance is
written by Hartford Accident and Indemnity Company and Sentinel Insurance Company, Ltd. In CA, this insurance is written by Sentinel
Insurance Company, Ltd. (CA lic. #8701) and its property and casualty affiliates, One Hartford Plaza, Hartford, CT 06155.
Prepare. Protect. Prevail. With The Hartford.SM
 Majority of deliveries done by employees who also load and unload goods sold
 Large open building area, making it easy for fire to spread to storage areas
Of course, when it comes to evaluating new customers, there are no stock answers. Our
underwriters are here to help you write business. So if you have a question, refer it, and
we’ll get back to you – often the same day.
A PACKAGE OF COVERAGES THAT REALLY DELIVERS
While some carriers only provide “off-the-shelf” solutions, The Hartford delivers coverage
tailored for the businesses we serve.
Spectrum® Business Owner’s Policy
The Hartford’s understands the logistics of the wholesale industry. It’s complex,
competitive and has many moving parts. So, we’ve tailored our Spectrum BOP to include
Stretch Endorsements to help cover the intricacies of the wholesale business.
For example, the Wholesaler | Distributor Stretch includes coverage for:
 Business Income for Off Premises Utility Services (12-hour waiting period)
 Business Income from Dependent Properties
 Increased limit for Business Personal Property – Seasonal Increase
 Transit Property in the Care of Carriers for Hire and Transit Business Income
Workers’ Compensation
The last thing a wholesaler needs is a Workers’ Comp program designed for paper pushers.
Our Workers’ Compensation coverage is not only economical; it automatically includes 6
essential coverages, like Voluntary Compensation and Other States Notification – with no
separate elections or additional premium charges. And our Extended Broad Form
endorsement offers increased limits for Employer’s Liability, Coverage for Unintentional
Failure to Disclose Hazards and Waiver of Right to Recover from Others.
Business Auto
Wholesalers often have a fleet of vehicles including cars, vans and trucks. The Hartford’s
Business Auto insurance has 19 coverage enhancements, specifically suitable for the
wholesale industry and all at no extra charge. Innovative features like Fender Bender and
Accident Forgiveness programs help make our Business Auto product even more
economical than the average carrier.
Helping Small
Businesses
Play On
For more than 200 years,
The Hartford has helped
prepare and protect over
1 million small businesses…
so they can PLAY ON.
More than
insurance.
To help keep workers safe,
we’ve established
partnerships to help mitigate
risks for the employees of
The Hartford’s customers.
The Shoes for Crews®3
program, for instance,
provides safe, rubber-soled
shoes to workers at a
significant discount to help
eliminate slips and falls.
A smart fit for employees in
the wholesale industry.
3 https://www.shoesforcrews.com/