Hartford offers EPLI to small businesses, The

Rough Notes, Jan 1999

The Hartford Financial Services Group has added employment practices liability insurance (EPLI) to its Spectrum insurance program for small businesses. The EPLI coverage has been added at no additional cost.

The built-in EPLI coverage has a $5,000 limit per claim/$5,000 aggregate limit, with additional coverage of up to $1 million available for as little as $750 a year. Coverage may not be available in all states for all types of businesses.

Spectrum, which was first introduced almost 20 years ago, is designed for businesses with less than $5 million in sales. Its flexible design allows it to address the needs of a variety of industries, featuring insurance coverages specific to the risks inherent in each. The Hartford recently enhanced Spectrum by adding, at no charge, coverage for loss of income and mechanical breakdown.

Spectrum is available nationwide except in Hawaii and Alaska.