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Automation Creates Need for E-Commerce Insurance

Tips from The Hartford - January 2008

Wholesaler-distributors are becoming more and more dependant on technology and equipment to boost productivity and cut expenses. Increased use of the internet and heavy reliance on automated equipment to move merchandise efficiently has created additional causes of loss for wholesaler-distributors.

Where would you be if a virus caused your computer network to crash, or if an artificially generated electric current damaged your material handling equipment? Would you be out of pocket if one of your salespeople had a laptop stolen?

Superior coverage is just one of the reasons that we chose The Hartford as our endorsed commercial insurance carrier. They offer low-cost solutions for some exposures that could be a high-tech nightmare. Here are just some of the ways:

Connection to the internet creates vulnerability to virus attacks, particularly via e-mail. The Hartford can cover the costs to clean out the virus, repair or replace the computer equipment and restore data and programming.

Many wholesaler-distributors rely upon specialized material handling equipment to move merchandise quickly. The Hartford offers equipment breakdown coverage for computers, material handling equipment, air conditioners, phone systems and steam boilers when damaged by mechanical breakdown, or by artificially generated electric current. Equipment breakdown coverage provides for property damage, business interruption losses, spoilage and more.

Today’s wholesaler-distributor sales force is heavily reliant upon technology. Traveling with a laptop computer is commonplace. The Hartford can provide coverage for laptops – worldwide.

Computers and equipment are costly; protect your investment. Compare your current coverage to The Hartford value proposition. Click here to ask a Hartford Agent to contact you, or if your current agent is licensed with The Hartford, ask them to provide a quote for you.


The information provided in these materials is of a general nature, based on certain assumptions. The content of these materials may omit certain details and cannot be regarded as advice that would be applicable to all businesses. As such, this information is provided for informational purposes only. Readers seeking resolution of specific safety, legal or business issues or concerns regarding this topic should consult their safety consultant, attorney or business advisors. The background presented is not a substitute for a thorough loss control survey of your business or operations or an analysis of the legality or appropriateness of your business practices. The information provided should not be considered legal advice.

The Hartford does not warrant that the information of any view or recommendation contained herein will: (i) result in the elimination of any unsafe conditions at your business locations or with respect to your business operations; or (ii) will be an appropriate legal or business practice. Further, The Hartford does not warrant that the implementation of any view or recommendation will result in compliance with any health, fire or safety standards or codes, or any local, state, or federal ordinance, regulation, statute or law including, but not limited to, any nationally recognized life, building or fire safety code or any state or federal privacy or employment law.) The Hartford assumes no responsibility for the control or correction of hazards or legal compliance with respect to your business practices, and the views and recommendations contained herein shall not constitute our undertaking, on your behalf, or for the benefit of others, to determine or warrant that your business premises, locations, operations or practices are safe or healthful, or are in compliance with any law, rule or regulation. Possession of these materials by a licensed insurance producer does not mean that such producer is an authorized agent of The Hartford. To ascertain whether a producer is a Hartford agent please contact your state’s Department of Insurance or The Hartford at 1-888-203-3823.

The NAW Service Corporation receives compensation from The Hartford for NAW's endorsement and promotion of the commercial insurance products and services of The Hartford. NAW and NAW Service Corporation are not licensed insurance producers or agents of The Hartford. All Hartford insurance products and services are sold through licensed producers or independent agents of The Hartford.

©2007 The Hartford Financial Services Group, Inc. All rights reserved. No portion of this article may be reprinted, transmitted or otherwise reproduced or disseminated by any means, including electronically.