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UNDERWRITING GUIDELINES

HARTFORD GUIDELINES


TARGETED OPERATIONS

  • Professional Clerical Operations
  • Retail Operations
  • Wholesale Operations
  • Physicians
  • Schools / School Districts
  • Light Manufacturers
  • Beverage Distributors
  • Dry Cleaners
  • Barber / Beauty Shop

UNDERWRITING CRITERIA

  • All job classes and phraseologies must be eligible
  • No subcontractors
  • No laboratories
  • No placement services or temporary agencies
  • No seasonal operations
  • No non-profits
  • No franchises
  • No 24-hour operations
  • No credit unions
  • No boat rental
  • No recycling centers
  • No airport exposures
  • States available: all states except AK, HI and monopolistic states

MOST COMMON REASONS FOR REJECTION

  • At least one class code is not eligible
  • Premium too small
  • Start-up operations less than three years of background and experience
  • Class or premium shown on application is inconsistent with rating data sheet
  • Unfavorable loss experience
  • Answers to the general information questions are not acceptable
  • Applicant is open 24 hours
Products and services are offered through Agency Resources, a division of Safehold Special Risk, Inc., dba Safehold Special Risk & Insurance Services, Inc. in California. Safehold is a division of Wells Fargo Insurance and a non-bank insurance agency affiliate of Wells Fargo & Company. Coverage is provided by unaffiliated insurance companies.
Yes

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