Complex Liability Solutions for Agents

Hard to Place Risks video

Customized Insurance for Hard to Place Risks

Needle in a haystack account? See how our Complex Liability Solutions group can help your customers prevail in this video.
Hard to Place Risks video

Who We Serve

We serve midsize and large accounts that have higher-hazard Products Liability or Premises-Operations Liability exposures.

Our Appetite

  • GL premium at least $25,000
  • For Products: Manufacturers, wholesalers, distributors, importers
  • For Prem-Ops: Service firms, real estate, lessors risk, retail with SIRs at least $50,000

Insurance Solution

Complex Liability Solutions is a dedicated group of underwriters, risk engineering consultants and liability claims specialists experienced in hard-to-place products and premises risks. We face catastrophic exposures in our high-hazard book every day. We offer:
  • Admitted Hartford paper
  • Potentially higher commissions than the Excess & Surplus (E&S) market
  • Premium counts toward incentive compensation plans
  • Full CGL or Products-only
  • Excess/Umbrella $25 million total capacity (only over The Hartford’s GL primary)
  • Ventilated Excess (only over Hartford GL primary)
  • Discontinued products coverage
  • Prior acts coverage
  • Products Pollution coverage (not available in all states)
  • Manuscript coverage
  • Worldwide coverage
  • Deductibles, SIRs or first-dollar (guaranteed-cost)
  • Occurrence or claims-made forms
  • Dedicated claims manager experienced in product liability litigation
  • TPA or self-administered claim-handling (for SIR policies)
  • Installments and direct-bill available
  • Composite rated policies

Why Choose The Hartford

Do you have a tough liability risk? Has your client experienced a large liability loss or been non-renewed? Talk to our professionals in CLS. They write classes that your standard underwriter may not even consider. We face catastrophic exposures in our high-hazard book every day and are prepared for large losses.

Who to Contact

CLS Territory Map

CLS Leadership

Mike Low
Head of Complex Liability Solutions
W: 678-566-4365
C: 404-518-8780
Pete Squadrito
Underwriting Director
W: 407-562-3265
Lindsay Bahal
Underwriting Director
W: 860-547-2042

CLS Managing Directors

northeast divisionKyle Stevens
W: 315-235-0786
central divisionCENTRAL
Jeremy Sullivan
C: 770-363-4155
north centralNORTH CENTRAL
Hannah Benson
W: 610-386-7546
Carol Dimaano (Southern California)
W: 213-270-6395
Jim Smith
W: 615-435-0781
C: 615-289-2595
Jim Smith
W: 615-435-0781
C: 615-289-2595
Middle Large Commercial & Global Specialty Capabilities

Specialization in Action: Complex Liability Solutions

Mike Low, Head of Complex Liability Solutions, talks about The Hartford’s admitted offering for tough liability exposures. Learn more about how The Hartford can help you solve your umbrella challenges.