Hartford Fire Insurance Company (The Hartford Financial Services Group, Inc. (USA))
Hartford CyberChoice Secure
by Hartford Fire Insurance Company
B2BA+Direct—Broker onlyGlobalEnglish
Last updated 46143
Product Details§ 01
Max Insurance Limit
Up to $5M (primary and excess; E&S).
Min Premium / Revenue
Revenue up to $1B; no published minimum.
Market Focus
SME, MID, LARGE, MULTI
Coverage
Cyber crime / FTF, Primary & excess
AM Best Rating
A+ (Superior) – AM Best
MGA / Direct
No – Direct insurer.
Policy Language
English
NIS2 / DORA Support
Not applicable.
War Exclusion
War and nation-state cyber exclusion applied (LMA-aligned); affirmative cyberterrorism coverage included.
Geographic Scope
Global.
Broker Only
Yes
Advantages & Limitations§ 02
Advantages
- The Hartford: one of the largest US commercial property and casualty insurers; A+ (Superior) AM Best; 200+ years' history; specialized and dedicated CyberTech Open Brokerage team.
- Appetite for businesses with revenue up to $1B; capacity up to $5M for primary and excess liability.
- Affirmative cyberterrorism coverage included across all products; affirmative allocation provision; worldwide coverage territory.
- Broad industry appetite: construction, manufacturing, professional services, retail, entertainment, financial institutions, hospitality, transportation, wholesale trade.
- Coverage (all products): data breach third-party liability (defense and damages, fines and penalties, PCI fines), cyber first-party (data breach response expense — breach coach, forensic investigation, notification, credit monitoring, PR consultant, data restoration; BI and dependent BI; system failure and dependent system failure; ransomware and extortion negotiation and payment; cyber crime).
- CyberChoice Secure: non-admitted E&S standalone cyber product; open brokerage (retail and wholesale distribution).
- Primary and excess capacity up to $5M; revenue appetite up to $1B (broader than admitted First Response product).
- E&S product designed for risks that require non-admitted placement or higher revenue thresholds.
- Pre-claim investigation and prevention assistance; FirstResponse Hotline.
Limitations
- Non-admitted (E&S) product; surplus lines brokers required.
- Revenue up to $1B.
- Open brokerage — retail and wholesale distribution.
- USA only.
Contact & Response§ 03
Customer Contact
800-370-0605 (FirstResponse Hotline) / FirstResponse@thehartford.com
24/7 Crisis Hotline
800-370-0605 (FirstResponse Hotline) / FirstResponse@thehartford.com