Complex Liability Solutions for Agents

A large-scale manufacturing plant

Customized Insurance for Hard-To-Place Risks

Needle in a haystack account? See how our Complex Liability Solutions (CLS) group can help your customers solve their high-hazard risks.
A large-scale manufacturing plant

Who We Are

Do your clients have a tough liability risk? Have your clients experienced a large liability loss or been non-renewed? Talk to our professionals in CLS. We 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.
 
We serve midsize and large accounts that have higher-hazard Products Liability or Premises-Operations Liability exposures.
  • GL or Products liability premium at least $25,000
  • For Products: Manufacturers, wholesalers, distributors and importers 
  • For Prem-Ops: Service firms, real estate, lessors risk and retail with self-insured retentions (SIRs) at least $100,000
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 Commercial General Liability (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 
CLS Territory Map
 

CLS Leadership

Mike Low
Head of Complex Liability Solutions
678-566-4365
404-518-8780
 
Pete Squadrito
Underwriting Director
407-562-3265
 
Robert Nicholas
Underwriting Director
415-977-2034
 
 

CLS Managing Directors

northeast division
NORTHEAST
 
Kyle Stevens
315-235-0786
 
central divisionCENTRAL
 
Jeremy Sullivan
770-363-4155
 
north centralNORTH CENTRAL
 
Hannah Benson
610-386-7546
 
westernWESTERN
 
Carol Dimaano (Southern California)
213-270-6395
 
southeastSOUTHEAST
 
Hannah Benson
610-386-7546

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The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
 
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
 
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. listed in the Legal Notice.
 
The Hartford Insurance Group, Inc., (NYSE: HIG) operates through its subsidiaries, including the underwriting company Hartford Fire insurance Company, under the brand name, The Hartford,® and is headquartered in Hartford, CT. For additional details, please read The Hartford’s legal notice at https://www.thehartford.com.