The Hartford
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Verified current official appetite material is The Hartford’s Mid- to Large-size Business Appetite Guide for agents and brokers. The guide shows broad appetite across Workers’ Compensation, Commercial Auto, General Liability, Property, Umbrella/Excess, Inland Marine, Environmental, Bond, and multiple management/professional liability lines for targeted middle-market and larger accounts. Property is generally supported, but the guide notes Property is only written in conjunction with Casualty lines and primarily for account size under $250K premium; Umbrella is also sometimes limited to Hartford-supported underlying lines depending on class. Preferred/clearly in-appetite classes visible in the guide include many construction trades, educational institutions (private nonprofit and charter segments), renewable energy, banks/credit unions, insurance and investment management firms, outpatient healthcare and diagnostic facilities, life sciences, numerous manufacturing classes, and software/IT services. Commercial umbrella appetite is broad on many of these classes, with some line-specific restrictions by industry. Restricted/declined patterns shown in the guide include selected healthcare segments such as inpatient hospitals and long-term care for some coverages, open pit mining and portions of upstream energy for certain lines, live/touring music groups, event promoters, special events and some cultural/media entertainment risks for several financial lines, and ocean marine often marked not applicable for many industries. Geographic note: The Hartford states it can provide global coverage in more than 200 countries and the guide includes domestic and multinational capabilities; multinational appears available for many target classes. Submission/producer handling: agents and brokers are directed to use the Electronic Business Center (EBC) to quote and manage property and casualty business, and the agents/producers portal emphasizes underwriting expertise plus local sales support. Operational broker notes: The Hartford offers agency-download connectivity for commercial lines including Spectrum BOP, monoline auto, and workers’ compensation, but its download exceptions list manually processed business and certain policy types such as monoline commercial umbrella, standalone property-related items, marine, GL, audits, and underwriting info. For personal lines/home, The Hartford has a verified producer-facing portal presence under Agents & Producers for Personal Insurance, but no separate official home underwriting/appetite guide was verified from the supplied sources. Overall positioning: strong broker-facing appetite for diversified middle-market business, especially package/casualty-led placements, with class-by-class line restrictions that should be checked in the official PDF before submission.