States affected: AL, CO, DC, FL, GA, IL, MD, ME, MI, MO, MS, ND, NH, OH, PA, TX, UT, VA, WA, WI

Our comprehensive cyber suite endorsement is now available for monoline general liability (GL) and business package policies in select states — with expanded limits of up to $5 million to provide protection for more complex business exposures.

In Florida and Maryland, cyber suite for GL and business package policies is only available for policies with effective dates on or after July 1. 

Offered through the Hartford Steam Boiler Inspection and Insurance Company and replacing the data security endorsement for business package policies, cyber suite gives your small commercial clients more robust coverage for today’s digital world.

How to add cyber suite

Coverage can be selected at new business or midterm by endorsement. Business package policies that currently include the data security endorsement will receive policyholder notices at renewal advising of the new endorsement being added to the renewal policy and a summary of the changes. Cyber suite will automatically attach on new business quotes for comprehensive business packages and will display within the Optional Coverages under the Summary of Policy Coverages. To add cyber suite to monoline GL or custom protector policies, select Cyber Suite from the Optional Coverages Type dropdown in eCLIQ®.

When quoting limits over $1 million, you will be prompted to fill out a supplemental form so our dedicated underwriters can assist you with a personalized quote.

Add optional cyber fraud coverage

For the highest level of protection for your clients, be sure to add the optional set of cyber fraud coverages, too. From the Summary of Policy Coverages section, find Cyber Suite under Optional Coverages and click Edit. Select an insurance limit from the Limit of Insurance dropdown, check the box for Include Cyber Fraud Coverage and the cyber fraud limit will populate accordingly. Click Update to save your changes.

To learn more about cyber suite for monoline GL and business package policies, visit the product page and register for an upcoming webinar!

We’ve made some major upgrades to auto in eCLIQ® Simple™. Our refreshed commercial auto product offers enhanced pricing segmentation, flexible coverages and a much faster, easier quoting experience. What’s more, expanded eligibility allows you to quote nearly 80% of commercial auto risks in eCLIQ Simple!

You’ll find our pricing most competitive when writing business with the following risk characteristics:

Retail, professional services, real estate and manufacturing industries
Well-established businesses (15+ years)
Older vehicles (10+ years)
Drivers age 35 to 55 without violations
Quotes with heavily populated driver lists, preferably with at least as many drivers on the policy as there are power units
Claim-free businesses with favorable insurance scores
Smaller fleets with one to four power units

To provide the most accurate rate when quoting new business, we’re now asking for a few additional pieces of information: the owner’s name, date of birth and address and an authorization to run a soft credit inquiry.

Learn more about the latest version of auto in eCLIQ Simple by visiting the Agents’ Portal.

This article was originally published on March 7 advising you to enter each location’s respective total sales into that property’s summary. We have since corrected the article to advise that you enter the total sales for all locations into each property’s summary where coverage is carried.

If your client is unable to generate income due to a covered business disruption, it’s important that their losses are covered in full. That’s where Business Income – Actual Loss Sustained coverage comes in handy! This property coverage isn’t subject to a limit of insurance, which means we’ll cover an insured’s loss of business income for a specified period of 12, 18 or 24 months.

Accuracy is everything

To improve data accuracy and ensure your clients have the coverage they need, it’s crucial that you enter the correct business income amount in eCLIQ® when quoting a policy. Within the Property Summary section in eCLIQ, select the specific property location, navigate to the Business Income – Actual Loss Sustained section and you’ll see a field called Total Annual Sales Excluding Rental Income for All Locations. Enter 100% of the insured’s total annual sales for all locations – not just that specific location – excluding any rental income. That’s it!

As a reminder, this coverage is not required for every property address on a policy, so your client may carry it on some locations but not all. Be sure to enter the correct business income for each location where your client carries the coverage.

Improving the accuracy of customer data also allows us to make our business rates more competitive, stabilize our renewal rates and help you sustain profitable growth.