Business Travel Accident - Specialized Programs
Forms & Brochures
The Hartford has developed special programs to help meet the unique needs of various professional, healthcare, public, and education groups. For additional details, please refer to the brochures attached, reach out to your local Hartford representative, or Contact Us.
Physician/Healthcare Groups - Covered physicians and their staff will have 24-hour coverage while traveling on business in the event of one of the following: covered injury, paralysis or death resulting from a covered accident. Benefits are payable for losses that occur within 365 days of the covered accident. Covered individuals will also be eligible for additional benefits to enhance their base AD&D benefit. This program offers:
$1 million benefit for physicians.
$100,000 for all other employees.
A lump sum benefit that is payable regardless of any coverage the insured may already have.
Coverage for every day commutes to and from work is standard for physicians and available as an optional offering for all other employees.
Enhancements (subject to state availability)
Adaptive home & vehicle
Airbag
Bereavement counseling
Coma
Dismemberment loss schedule
Extraordinary commutation
Hijacking
HIV benefit
Medical evacuation
Paralysis
Permanent Total Disability
Rehabilitation
Repatriation
Seat belt
Sojourn/personal deviation
Therapeutic counseling
Attorney Groups - Covered attorneys and their staff will have 24-hour coverage while traveling on business in the event of one of the following: covered injury, paralysis or death resulting from a covered accident. Benefits are payable for losses that occur within 365 days of the covered accident. Covered individuals will also be eligible for additional benefits to enhance their base AD&D benefit. This program offers:
$1 million benefit for attorneys.
$100,000 all other employees.
Lump-sum benefit is payable regardless of any other coverage in place.
Coverage for everyday commutes to and from work is standard for attorneys and available as an optional offering for all other employees.
Enhancements (subject to state availability)
Adaptive home & vehicle
Airbag
Bereavement counseling
Coma
Dismemberment loss schedule
Extended felonious assault
Extraordinary commutation
Hijacking
Medical evacuation
Paralysis
Permanent Total Disability
Rehabilitation
Seat belt
Sojourn/personal deviation
Therapeutic counseling
Teacher Occupational/Education Groups - Covered educators will have 24-hour coverage while traveling on business, while at work on the premises of the policyholder, or on assignment by or at the direction of the policyholder in the event of one of the following: covered injury, paralysis or death resulting from a covered accident. Benefits are payable for losses that occur within 365 days of the covered accident. Covered individuals will also be eligible for additional benefits to enhance their base AD&D benefit. This program offers:
$100,000 payment for educators.
A lump sum benefit that is payable regardless of any coverage the insured may already have.
Enhancements (subject to state availability)
Adaptive home & vehicle
Airbag
Bereavement counseling
Coma
Dismemberment loss schedule
Extraordinary commutation
Hijacking
Medical evacuation
Paralysis
Permanent Total Disability
Rehabilitation
Repatriation
Seat belt
Sojourn/personal deviation
Therapeutic counseling
Law Enforcement/Emergency Responders - Covered educators will have 24-hour coverage while traveling on business, while at work on the premises of the policyholder, or on assignment by or at the direction of the policyholder in the event of one of the following: covered injury, paralysis or death resulting from a covered accident. Benefits are payable for losses that occur within 365 days of the covered accident. Covered individuals will also be eligible for additional benefits to enhance their base AD&D benefit. This program offers:
Three AD&D Options up to $250,000
Three tiers of enhancements to choose from
A lump sum benefit that is payable regardless of any coverage the insured may already have.
Enhancements (subject to state availability)
Tier 1 (no additional charge):
Adaptive Home & Vehicle
Bereavement Counseling
Coma
Paralysis
Rehabilitation
Seat Belt
Therapeutic Counseling
Tier 2 (additional charge applies):
Accident Total Disability
Day Care
Education
Spouse Education
Tier 3 (additional charge applies):
Critical Burn
Funeral Expense
HIV Occupational
Permanent Total Disability
Customized Program – use the Request for Proposal form attached to request a tailored plan for a group of any size.
Notes:
1. Coverage for policyholder owned, operated, chartered, or leased aircraft is not included in the Standard program, but is available at an additional cost.
2. Coverage for removal of the War Risk exclusion requires approval and pricing from underwriting.
3. Groups with international exposure should use the Customized Program when requesting a proposal.
4. Provisions, Hazards, Benefits, and Exclusions are subject to state availability.
5. All policies are written based on an existing employer-to-employee relationship. Some states allow coverage for guests and non-employees including, but not limited to, Board of Directors and Trustees. If coverage is desired for a group where an employer-employee relationship does not exist, inquire with your Hartford representative around other available options.
The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including issuing companies Hartford Life Insurance Company and Hartford Life and Accident Insurance Company. Policies sold in New York are underwritten by Hartford Life Insurance Company. Home Office of both companies is Simsbury, CT. All benefits are subject to the terms and conditions of the policy. Policies underwritten by the issuing companies listed above detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in force or discontinued. This website explains the general purpose of the insurance described, but in no way changes or affects the policy as actually issued. In the event of a discrepancy between this brochure and the policy, the terms of the policy apply. Complete details are in the Certificate of Insurance issued to each insured individual and the Master Policy as issued to the policyholder. Benefits are subject to state availability.