National Association of Wholesaler-Distributors (NAW)

GHT Insurance Agency Incorporated now offers Spectrum Xpand®, a product of The Hartford, for small business insurance coverage. In entails customized insurance for wholesalers and distributors.

Protect Your Investment

As a wholesaler or distributor, you offer your customers the value of a broad array of goods from a variety of suppliers. Have you considered what would happen if you couldn't deliver the goods? What if:

• Right before your peak season, with your warehouse stocked to capacity, a fire destroys your entire inventory. Do you have enough property coverage for the increased inventory values?
• A common carrier you've hired to deliver your merchandise flips and bursts into flames. Would you be covered for your loss of goods?

Spectrum Xpand

is a focused program which fits the standards and requirements of the National Association of Wholesaler-Distributors (NAW). This coverage, offered to wholesaler-distributors, includes comprehensive insurance tailored to the size and scope of your company-whether it is a small local supply business or a large multi-state distributor-so you can concentrate on meeting the needs of your customers.

Designed for Your Needs

Spectrum Xpand, a business owners’ policy for larger small businesses, has core business coverage that is second to none. Its creators, The Hartford, have bundled important protection into our optional Stretch Xpand® endorsement which was created just for businesses like yours. Leading with a blanket limit of $150,000 for five key business coverages, Stretch Xpand offers important coverages for a fraction of the price you would pay to buy them individually. Here are some examples:

• Accounts Receivable. Protects you from the inability to collect outstanding balances as a result of loss or damage to your account records from a covered cause of loss. Included in your blanket limit.
• Business Income from Dependent Property. This coverage provides increased protection under the Business Income Dependent Properties section of your policy. In addition, this coverage extension applies to unscheduled dependent properties.
• Computers and Media. Provides coverage for your computers, peripheral devices and media. Coverage is also provided for the costs to research, replace or repair lost or damaged data or software when it is caused by covered damage to computer equipment, electrical or magnetic injury caused by certain power failures, or a computer virus. Business Income Coverage, if purchased, also applies to computer equipment, data and software.
• Employee Dishonesty. Covers your business for loss of money or property from dishonest acts by your employees.

In addition to the policies aforementioned, you also have the option to buy these important coverages:

• Business Income and Extra Expense. Reimburses you for your actual loss of business income for up to 12 consecutive months during the period of restoration following a covered loss to your property. Extra expenses needed to continue your operations, such as renting temporary office space, are also covered.
• Hired Auto and Non-Owned Auto. Provides coverage for damages you are legally obligated to pay due to bodily injury or property damage that occurs during the use of hired or non-owned vehicles used in your business.

Spectrum Xpand Core Coverages

When your business is protected by Spectrum Xpand, you'll be covered for a wide range of liability and property risks common to your industry. Here are some of the basic coverages provided by Spectrum Xpand:

• Identity Recovery Coverage. Provides identity recovery coverage for business owners, including services such as:
• Identity Recovery Help Line. Provides identity theft support for policyholders who suspect they are identity theft victims.
• Identity Recovery Case Managers. Provide assistance in speeding the recovery process.
• Expense Reimbursement. Provides expense reimbursement up to $15,000 for covered expenses arising out of a defined identity theft event.
• Building and Business Personal Property. Your Spectrum Xpand policy contains coverage to repair or replace your building and any equipment, stock, furniture or fixtures that you own. There's a lot of business property coverage included with Spectrum Xpand, such as:
• Equipment Breakdown. Covers cost to repair or replace equipment, such as computers, air conditioners, phone systems and steam boilers, from loss or damage caused by mechanical breakdown or artificially generated electrical current.
• Peak Season. Provides an automatic increase to your insurance limit of up to 25% for business content to cover seasonal variations in your supply inventory or supplies.
• Business Liability. Your Spectrum Xpand policy provides your business with legal liability protection against claims of injury or damage caused to others by you or your employees. For example:
• Premises and Operations Liability. Provides coverage for bodily injury and property damage sustained by others at your premises or as a result of your business's operations.
• CyberFlex® Liability. Personal & Advertising Injury on the Internet. Covers copyright infringement to your Internet advertising. Covers other types of liability as well, such as defamation or copyright infringement that occurs in others' advertisements on your Web site.

Other Important Coverages

• Commercial Auto Coverage. Our policy protects you against financial loss resulting from accidents involving the vehicles you use in your business. We offer valuable enhancements, such as excess coverage for hired autos, and the extension of liability coverage to vehicles leased in the name of an employee on your behalf and at your direction.
• Umbrella Coverage. Provides up to $10 million of additional liability protection.
• Workers' Compensation. Our state-of-the-art managed care and Return-to-Work program will help you get your employees back on the job as soon as possible.