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
The Hartford currently publishes a producer-facing Mid- to Large-Size Businesses Appetite Guide and related producer resources. Core commercial appetite is broad across business and professional services, healthcare, life sciences, manufacturing, real estate, technology, media, and wholesalers/distributors. Examples shown as in appetite for Workers Comp, Property, and Umbrella/Excess include accountants, consultants, associations, diagnostic testing and imaging centers, federally qualified healthcare centers, outpatient doctors/dentists/dermatologists, contract life-science service providers, cosmetics, dietary supplements, medical devices, auto parts manufacturing, fabricated metals, industrial machinery, plastic products, office buildings, light industrial tenants, software/IT services, and many wholesale/distribution classes. The guide also indicates some classes are written on a limited basis and others are outside appetite depending on coverage line. Notable restrictions/declines shown include no appetite or limited appetite for certain healthcare risks such as inpatient hospitals, long-term care facilities, and some urgent care placements on selected lines; food processors have at least one limited/no-appetite financial line slot; pharmaceutical drugs show selective limitations on some financial/fidelity-type lines; and umbrella is only offered over The Hartford supported underlying lines. Educational institutions have package-only availability for certain management liability coverages, and manufacturers E&O is available either within GL or standalone only when written with GL/products liability. For wholesale/specialty excess through Hartford Excess Solutions, preferred examples include regional beverage distributors, consulting firms, software companies, boutique hotels, furniture manufacturers, regional banks, commercial real estate, financial services, parking garage operations, insurance companies, global investment firms, and industrial real estate. Hartford Excess Solutions specifically lists contractors/construction, firearms/explosives, aircraft products, and oil & gas drilling/exploration as out of appetite. Geographic notes: The published appetite materials are U.S.-focused, but The Hartford states global capabilities with coverage in more than 200 countries for applicable multinational/financial lines business. Some wholesale/surplus lines placements are subject to state surplus lines rules and require use of a surplus lines broker; the broker is responsible for disclosures, stamping, due diligence/declinations, recordkeeping, tax remittance, and related filings. Submission/producer notes: property and casualty producers are directed to quote and manage business through The Hartford Electronic Business Center (EBC). The producer site emphasizes standard products plus specialized underwriting for midsize, large, and specialty accounts, and notes support from local sales reps and underwriters for small business. Hartford Excess Solutions requests practical underwriting support such as historical/projected exposures, copies of underlying quotes, minimum six full years of loss history, and sample contracts when applicable. For personal lines, The Hartford publicly confirms Home is part of its producer offering, but no verified public home underwriting/appetite guide was found in the reviewed official sources; treat personal/home eligibility as producer/distribution driven rather than supported here by a public appetite bulletin.