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.

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/