This document outlines in general terms the coverages that may be afforded under a Hartford policy. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms andconditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail. All Hartford coverages described in this document may be offered by one or more of the property and casualty insurancecompany subsidiaries of The Hartford Financial Services Group, Inc.

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 orThe Hartford at 1-888-203-3823.

All information and representations herein are as of March 2011.

106781 3rd Rev. Printed in U.S.A. © March 2011 The Hartford Financial Services Group, Inc., Hartford, CT 06115 All Rights Reserved

With The Hartford Behind You,Achieve What’s Ahead of You.®

www.thehartford.com/program-business

POOL & SPA INSURANCE PROGRAM

Relax with an insurance program you can depend on.

TOP 5 REASONS TO CHOOSE THE HARTFORD1. EXPERIENCED IN YOUR

INDUSTRY – With over a decade of underwriting, claims and loss control experience forpool and spa businesses, The Hartford understandsyour industry and the risksyou face, which helps to give you peace of mindknowing that your businessis covered.

2.CUSTOMIZED COVERAGE –Designed specifically for the pool & spa industry, ourprogram features industry-specific coverages, such aspool “pop-up” coverage, design E&O, VGB E&O andenhanced diving board and slide insurance.

3.ALL-LINES INSURANCE –From general liability andworkers’ compensation, toproperty, commercial autoand more. Our program provides the total solutioninsurance package yourbusiness needs.

4.COST-SAVING SERVICES – The Hartford can help yourbusiness reduce losses andmanage claim costs, whichcan add up to savings foryour business.

5.TRUSTED INSURANCE CARRIER – The Hartford is a trustedcompany that you can depend on. We have beendelivering on our promisesfor 200 years.

DEPEND ON THE HARTFORD TO PROTECT YOUR BUSINESSYour business faces many challenges – from complying with buildingcodes and ordinances, to staying current with new products and techniques, and balancing the need for safety while meeting your customers’ desire for aesthetically pleasing designs. When it comes to choosing insurance for your business, you want an insurer that cancover your business’s unique exposures – one that you can depend onto provide appropriate coverage for your business.

That’s just what you’ll find with The Hartford. A trusted carrier withmore than 10 years of experience insuring pool and spa businesses,The Hartford offers an all-lines Pool & Spa insurance program. It features quality coverage that your business can depend on. Our program is designed especially for:

• Installation and service contractors

• Retailers/distributors

• Manufacturers of vinyl liners, pumps or filters

Coverages That Can Help Wash Away Your Worries Specialized CoverageTo meet the unique needs of your industry, we offer customized coverage for:

• Pool “pop-up” coverage (included at no additional charge) for property damage to swimming pools when damaged by an elevation of a swimming pool due to a high water table*

• Design and installation errors & omissions

• Installation of diving boards and slides

PropertyThe Hartford’s Property Choice® policy features many coverages that go beyond a typical property insurance policy. These include:

• Additional coverage available for peak season andbusiness income

• Optional Supplemental Property Insurance Cover-age Endorsement (SPICE®) covering employeetools, property in transit, and installation

General LiabilityThe Hartford’s broad General Liability Choice® policyprotects against injuries to others that occur at yourbusiness, as well as:

• Limited job-site pollution coverage*

• Automatic coverage for additional insureds when required by written contract

• Per-project aggregate

• Virginia Graeme Baker Pool and Spa Safety Act Inspection Errors and Omissions – Provides coveragefor the insured’s legal liability due to “business injury.”

“Business injury” means damages to third parties resulting from loss of use of tangible property due tonon-compliance with “the act,” and the cost of fineslevied by local, state and/or federal authorities due tonon-compliance with “the act.”

Commercial AutomobileOur program provides coverage for your business’sautomobiles and extends coverage to your employeeswhile operating their own vehicles on the job.

Workers’ CompensationAs one of the five largest workers’ compensationproviders in the nation, The Hartford offers nationalstrength with local claims handling commitment –plus a variety of services to help you control the costsof workplace injuries.

UmbrellaDesigned to begin where our primary coverage ends,The Hartford’s umbrella coverage provides an addedlayer of liability protection for added peace of mind.

Services to Help KeepYour Profits FlowingLoss ControlTo help you enhance safety and reduce losses at your operations, The Hartford offers risk managementinformation on a variety of topics, including customercontracts, slips and falls, equipment maintenance, and more.

ClaimsSince 1810, The Hartford has delivered on our promises. We make it easy for you to report a claimas soon as it happens with our 24/7, online claims reporting. Our claims services can help you:

• Save money on your insurance costs

• Keep your business running

• Get injured employees back to work as soon asmedically appropriate

We also provide medical networks, medical bill review, fraud detection, and subrogation and recovery services.

Direct BillingThe Hartford’s flexible direct billing program or electronic funds transfer option lets you choose theappropriate payment plan for your business. Someoptional plans** include, but are not limited to:

• Ten payment plan, with 25% down and nine equal installments

• Four payment plan, with 50% down and threeequal installments

Pool It Together With The Hartford Start enjoying the peace of mind that comes fromknowing your business is protected with The Hartford’sPool & Spa Insurance Program; call your local independent Hartford agent today. Or visit us onlineat www.thehartford.com/program-business

* Available in most states

**Subject to an administrative fee which may vary by state