text: 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 