Comprehensive coverage tailored to your individual needs.

Whether your business is a retail operation, a professional office, or you’re a building owner leasing out to tenants, we can customize your insurance program. We offer products to protect you from:

• Property losses

• General liability losses

• Business income interruption losses

• Crime losses

• Automobile losses

The Hartwell Corporation also offers workers compensation insurance through the Idaho State Insurance Fund. If you have employees in multiple states or countries, we have insurers to cover them wherever they go.

We also offer individual or group health plans, long term coverage, retirement plans and life insurance plans.

Click the links below for a general description of available coverage. Please refer to your policy for specific coverages and exclusions. The policy provisions will apply.

Property Coverages

Commercial General Liability Insurance

Commercial Automobile Insurance

Garage Liability

Umbrella Liability Coverage

Workers Compensation Coverage

Agriculture Coverage

Other Coverages

Property Coverages     ▲TOP

Protects your building and business personal property from direct physical loss or damage.

• Real property including but not limited to your building and other structures, permanently installed equipment and fixtures.

• Business Personal Property includes your furniture, fixtures, inventory or anything of value that can be carried out of the building.

• Property of others that is in your care, custody or control, off premises property, property in transit, valuable papers, glass and signs.

• Business Income coverage for your net profit or loss of income due to a covered cause of loss.

• Extra Expense pays the additional expenses you may incur over and above those that would have been incurred during the normal operation of the business due to a covered loss.

• Employee dishonesty provides business protection for losses due to an employee theft.

Commercial General Liability Insurance     ▲TOP

Commercial General Liability provides insurance protection needed to pay damages for bodily injury or property damages for which a business may be legally responsible. It also provides coverage for defense of claims.

• Premises Liability covers you for injuries resulting from slips and falls.

• Personal and advertising injury protection provides coverage against claims from a 3rd party alleging damages from libel and slander, false arrest, and malicious prosecution.

• Products and or completed operations coverage provides coverage against claims from a 3rd party alleging damage or injury arising out of products manufactured, sold, handled or distributed by the insured. Completed operations provides coverage against claims from a 3rd party alleging damage or injury occurring after operations have been completed or after an item is installed or built and is released for it's intended purpose.

• Medical Expense limit pays for medical expenses to a 3rd party resulting in bodily injury caused by an accident on premises you own or rent or when caused by your operations. These payments are made without regard to your liability.

• Fire Damage Liability provides coverage against claims from a 3rd party for fire damage caused by your negligence to premises rented to you.

Commercial Automobile Insurance     ▲TOP

• Liability protection for damages for bodily injury or property damage you are legally responsible due to an automobile accident including legal defense costs.

• Medical Payments for medical and funeral expenses to an insured caused by an automobile accident. An insured is the named insured, the insured's employees, guests and any person occupying a covered auto. Payments are made without regard to fault.

• Uninsured Motorist covers bodily injury to an insured due to an accident caused by an uninsured motorist, a hit-an-run driver or a driver whose insurer becomes insolvent.

• Underinsured Motorist covers bodily injury to an insured due to an accident caused by another driver whose liability limits may be insufficient to pay for damages. This coverage only applies when your underinsured liability limit is greater than the other driver's liability limit and their liability limits on their policy are exhausted.

• Non-Owned Auto Liability provides coverage for autos not owned, leased, hired, or borrowed by the named insured. For example, it also covers the business for auto liability when an employee uses their own vehicle on the insured's business and becomes involved in an at fault accident. The employee's automobile liability coverage would be primary. This would provide coverage to the business for their liability due to the accident.

• Hired Auto Liability covers autos that are leased, hired, rented or borrowed for use in the named insured's business.

• Collision coverage provides protection to an insured's vehicle against loss or damage to a covered auto involved in an accident.

• Comprehensive coverage provides protection to an insured's vehicle against loss from other than collision not specifically excluded but does include and is not limited to fire, theft, vandalism, animal impacts and glass damage.

• Specified causes of loss may be used in place of comprehensive coverage for an insured vehicle. The causes of loss covered are fire, lightning or explosion, theft, windstorm, hail or earthquake, flood, mischief or vandalism, sinking, burning, collision or derailment of a conveyance transporting the covered auto. There is no glass coverage included in this coverage.

Garage Liability     ▲TOP

Businesses engaged in the selling, servicing, storing or parking autos have special insurance needs. The garage policy combines coverage for auto liability, commercial general liability and physical damage coverages in one policy.

• Garage liability provides broad liability coverage for bodily injury and property damage when caused by an accident and resulting from garage operations. The garage policy also provides liability coverage for products that are made or sold in the garage business.

• Garage Keepers Liability covers the insured's liability for loss of a covered auto or auto equipment left in the insured's care while the insured is attending, servicing, repairing, parking or storing the auto in the garage operation.

• Garage Physical Damage provides the same collision, comprehensive or specified causes of loss coverages available under the commercial auto policy.

Umbrella Liability     ▲TOP

Umbrella liability insurance provides excess liability coverage over the insured's primary liability policy. Most umbrella policies provide coverage that is broader than the insured's primary policies. Underlying limits is a requirement of the insurer. Umbrella policies have the following functions.

• To provide additional limits above the each occurrence limit of the insured's primary policies.

• To take the place of primary insurance when the primary aggregate limits are reduced or exhausted.

• To provide broader coverage for some claims that would not be covered by the insured's primary insurance policies, subject to the policy retention or deductible.

 Workers Compensation Coverage     ▲TOP

• Workers compensation covers employees for injuries or illnesses while on the job for medical payments, lost wages and rehabilitative services. It also provides death benefits to employee's immediate family including their spouse and children. Coverage is determined by statutory requirements.

• Employer's Liability protects employers for their legal liability for bodily injury by accident or disease to an employee arising out of and in the course of the employee's employment when not covered under the workers compensation law. Before benefits are paid under this coverage, the employee must prove the employer is liable for the injury.

 Agriculture Coverage     ▲TOP

• Farm Liability for farming operations includes premises liability, farm products and completed operations, personal injury liability, medical payments, watercraft coverage up to 26' and no more than 50 horsepower, defense costs, fire damage liability, advertising injury, chemical drift, and damage to property of others.

• Farm Property coverage provides coverage for the main dwelling, garages and other structures, satellite dishes, dwellings at other locations, loss of use, extra expense, trees and shrubs. It also includes personal property, property of guests, tenant's improvements, and incidental business property. Property that would need to be scheduled on the policy would be barns, shops and outbuildings, grain, feed silage, hay livestock, computers and software for farm management, tools and equipment, farm machinery.

• Optional coverages available include automobile coverages for farm and personal use, watercraft, animal collision, borrowed, leased or rented farm equipment, foreign objects in machinery, scheduled personal property, spoilage coverage, water backup from sewers or drains, earthquake, limited farm pollution, and limited crop dusting liability (for acts of independent contractors).

Other Coverages     ▲TOP

Employment Practices Liability Insurance

Employment practices liability insurance provides protection against employee lawsuits with regard to wrongful termination of employment, sexual harassment, emotional distress, discrimination, etc. The commercial general liability coverage specifically excludes coverage for defense costs and claim payments for these types of claims.

Kidnap and Ransom Insurance

Specialty crime coverage that insures against loss by the surrender of property as a result of a threat of harm to a named insured, employee, relative or guest of the named insured or the insured's employees.
Note: Directors & Officers Insurance, Employment Practices Liability Insurance and Kidnap & Ransom Insurance may be offered together on one policy.

Earthquake and Flood Insurance

This coverage is normally excluded from property coverage and must be purchased separately. In some cases earthquake and or flood insurance may be added to a policy by endorsing the policy.

Cargo/Property in Transit – Insurance

This provides coverage for the transportation of cargo, goods, and merchandise you own or those you are legally liable for when it is in your custody in or on a covered auto.

Ocean Cargo Coverage

This covers the transportation of goods or merchandise by vessels crossing foreign or domestic waters.

Foreign Insurance

Most policies typically cover your operations in the United States only. Foreign Insurance provides coverage for your operations outside of the United States.

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