18
Intermediary Service Award and the ﬁrst-ever Life
Insurance Service Award. The triple win reﬂected the
overall excellence of The Hartford’s service, a natural
complement to the company’s quality products. DAL-
BAR also recognized The Hartford’s mutual funds as the
industry leader in several categories, including invest-
ment management. 
In managing its product portfolio, The Hartford fol-
lows its own advice: think ahead and diversify. The com-
pany’s earnings base derives from a variety of
businesses. Diversiﬁcation is a key element in managing
risk and ensuring proﬁtability—a time-tested philosophy
that held especially true in 2001, as the company’s other
businesses evolved to anticipate changing market
demands and to offer protection from new risks. 
The property-casualty Business Insurance group,
for example, extended its coverage to include common
risks associated with e-commerce. Hartford Financial
Products’ (HFP) coverage continued to meet emerging
risks in an extremely volatile business envir onment. 
The Hartford helped customers manage risk by
developing a new category of commercial coverage
called CyberFlex.
TM
This targets the previously unmet
needs of small and mid-sized businesses that are inte-
grating the Internet and other communications tools
into their regular operations.
A 2001 survey by The Hartford revealed that 80
percent of small and mid-sized businesses weren’t sure
if their current insurance policies covered speciﬁc—and
increasingly common—risks such as e-mail viruses,
Web site business interruption and online copyright
infringement. CyberFlex coverage protects middle-mar-
ket and small-business policyholders against the risk of
those potentially debilitating conditions.
CyberFlex is part of a broad array of industry-
speciﬁc coverages in The Hartford’s SPECTRUM
®
busi-
ness-owner’s policy, including protection against
employment practices liability, equipment breakdown
and business interruption. As the economic environ-
ment changes rapidly, The Hartford thinks ahead by
providing those ﬂexible coverages. And the company’s