What makes Hartford's Spectrum business package different?

The Hartford Spectrum business package is a commercial lines policy that bundles property and general liability coverage into a single policy form, then allows a business to layer in additional coverages without switching carriers or managing separate policy numbers.

What does the Hartford Spectrum policy cover at its core?

At its core, Spectrum covers the building or business personal property a company owns, leases, or uses, alongside the liability exposure that comes with operating: bodily injury, property damage, and personal and advertising injury claims. Both coverages sit inside one policy limit structure, one renewal date, and one claims process.

What makes Spectrum different from a standard business owners policy?

The business owners policy form is the foundation, but Spectrum goes further in the breadth of optional coverages that can attach to it. Common additions include:

• Business income and extra expense: replaces lost revenue and covers ongoing costs if a covered loss forces a temporary shutdown.
• Equipment breakdown: covers sudden mechanical or electrical failure of owned equipment, separate from property coverage, which typically excludes breakdown.
• Data breach response: covers notification costs, credit monitoring, and public relations expenses when a breach exposes customer or employee data.
• Hired and non-owned auto liability: extends liability protection when employees drive personal or rented vehicles on company business, filling the gap that appears for businesses without company-owned vehicles.
• Employment practices liability: covers defense and settlement costs tied to claims of wrongful termination, discrimination, or harassment.

For example, a staffing agency with no company-owned vehicles but employees who regularly drive personal cars to client sites would fill a significant coverage gap by adding hired and non-owned auto liability to a Spectrum policy.

Which businesses are eligible for Hartford Spectrum?

The Hartford writes Spectrum for a wide range of small and mid-sized commercial accounts. Appetite skews toward established businesses with documented operations rather than newly formed or higher-hazard accounts. A retailer, a contractor, a professional services firm, and a property owner can each build a materially different coverage package under the same Spectrum form.

How does underwriting for Spectrum work?

Underwriting criteria vary by industry class and state. The coverages available, the limits offered, and eligibility all depend on what the business does and how it operates. For example, a commercial cleaning company and a software consulting firm both qualify for Spectrum but will carry different optional coverages, different limits, and different premiums based on their respective risk profiles.

Is Hartford Spectrum available in Georgia?

Spectrum is available through Olive Cover (operated by Olive Insurance Services, LLC). A coverage review identifies which optional coverages match your industry, your lease requirements, and the specific exposures your business carries, and whether Spectrum is the right fit or a different structure serves you better.