1. Like the time his freezer broke. Because Buck has
The Hartford’s Spectrum® Business Owner’s Policy with a
Stretch® Endorsement that covers spoilage due to temperature
change, everything was taken care of. “They paid for my freezer
repairs and all of my ice cream that went bad.”
The freezer incident was a make-or-break moment for Buck.
If the ice cream wasn’t covered, he could’ve lost his business,
too. Instead, Lumpy’s has gone from food truck to storefront,
and is still growing. Meanwhile, Buck is as carefree as ever. Or,
as he puts it, “I don’t think about the unknown. I just rock’n roll.”
The Hartford’s Business Insurance
“The Hartford rocks. They saved my business.”
Buck Buchanan, owner of
Lumpy’s Ice Cream in
Wake Forest, NC, doesn’t
worry about much. He knows
The Hartford has his back.
Offer your customers the best value and coverage in the market. Visit thehartford.com/smallbusiness
BUCK BUCHANAN,
Owner, Lumpy’s Ice Cream

2. For more coverage options, or to learn how you can tailor coverage to the needs of your small business clients,
visit thehartford.com/smallbusiness
Important coverages for
retail businesses
Business Income for
Off-Premises Utility Services
Covers income lost due to an off-premises
interruption of communication, water or
power service.
Temperature Change
Covers losses due to the electrical
interruption or mechanical breakdown of
refrigeration, cooling or humidity-control
equipment or stationary heating plants.
Employee Dishonesty
Protects businesses from financial loss due
to employee theft of money, securities or
other property.
Business Income from Dependent
Properties
Covers business income lost due to direct
physical damage to a third party on which
it relies, such as a major supplier, customer
or manufacturer.
Peak Season
Provides an extra layer of protection
for business personal property during a
business’ peak season months.
Data Breach
Helps protect a business from damages
resulting from the loss or theft of sensitive
customer information such as Social
Security or debit/credit card numbers.
Certain coverages, features and credits vary by state and may not be available to all insureds. You should speak to a
Hartford representative to resolve any questions. Possession of these materials by a licensed insurance producer does not
mean that the producer is an authorized Hartford agent. In the event of a loss, the terms of the policy issued will determine
the coverage provided. © 2012 The Hartford Financial Services Group, Inc., Hartford, CT 06155 All Rights Reserved.
Lumpy’s Ice Cream was built
on solid optimism. It was
saved by practical insurance
coverage that was just right.
Lumpy’s lost a freezer that could
have cost Buck his business. It
didn’t. Fortunately he was covered
by a Spectrum® Business Owner’s
Policy with two additional coverage
options critical to the food retail
business — Business Income for
Off-Premises Utility Services and
Temperature Change.
Tailored to your customer.
The Spectrum Business Owner’s
Policy features the broadest range
of base coverages, providing the
best value in the industry, as well
as flexible coverage options to help
tailor coverage to meet the needs
of almost any business. A few of
the more important coverages for
retail are listed to the right.
Spectrum® Business Owner’s Policy
It’s easy to stay cool
when your business
is covered.
108356 Printed in U.S.A. October 2012