Protect Your Identity
Identity theft occurs when someone uses your personally identifying information, like your name, Social Security number, or credit card number, without your permission, to commit fraud or other crimes.
The FTC estimates that as many as 9 million Americans have their identities stolen each year. In fact, you or someone you know may have experienced some form of identity theft. The crime takes many forms. Identity thieves may rent an apartment, obtain a credit card, or establish a telephone account in your name. You may not find out about the theft until you review your credit report or a credit card statement and notice charges you didn’t make—or until you’re contacted by a debt collector.
Identity theft is serious. While some identity theft victims can resolve their problems quickly, others spend hundreds of dollars and many days repairing damage to their good name and credit record. Some consumers victimized by identity theft may lose out on job opportunities, or be denied loans for education, housing or cars because of negative information on their credit reports. In rare cases, they may even be arrested for crimes they did not commit.
Loss Of Power
For a customer whose business was damaged or forced to close, these are the most important questions. With The Hartford's optional Off-Premises Utility Services coverage, you'll have a great answer for them.
Loss of Power Doesn't Have to Mean Loss of Income
Damage caused by a weather event can cost a small business about $3,000 a day.1 Having the right coverage in place can mean the difference between a small business getting back on its feet in days as opposed to weeks, months or even years. With The Hartford's optional Off-Premises Utility Services (OPUS) coverage, there is only a 12-hour waiting period after a loss before coverage applies. This helps a business replace lost income faster than most other carriers, helping to minimize disruption so a business doesn't just endure – it prevails.
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