Roads twisting, turning, converging

When the Risk Is Complex, Insuring It Doesn’t Have To Be

Complicated risk? Navigators is the most direct route to specialized solutions for your nontraditional exposures. Paired with value-added services, you can offer your clients loss prevention and added protection from the risks they face.

Specialty Insurance Solutions for Complex and Hard-To-Place Risks

Navigators, a brand of The Hartford, helps wholesale brokers place business with greater speed, clarity and confidence. Our specialty products are designed for evolving exposures, with capabilities that help brokers move complex risks toward the right coverage:
 
  • Experienced underwriters are empowered to evaluate risks and respond without layers of back-and-forth discussion, enabling faster and more informed decisions.
  • A clear and consistent appetite across products and industries makes it easier to determine where a risk fits and how to structure coverage.
  • A focused portfolio of excess and surplus lines solutions offers flexible options when standard markets fall short.
Our Global Insights Center provides macroeconomic, industry and geopolitical research to our broker partners and their clients to help them maximize global opportunities.
 
 

Our Main Wholesale Product Offerings

Designed for complex risks outside the standard market, our specialized solutions across lines of business are backed by experienced underwriting and responsive service.

Specialty Auto

Primary and buffer layer coverage for high-risk transportation and trucking operations, designed to address complex liability exposures.
 
Specialty Auto Resources

Environmental

Environmental liability coverage for pollution-related risks, including bodily injury, property damage and cleanup costs that are typically excluded from standard liability policies.

E&S Binding

Property and general liability solutions for small, complex accounts that require speed, flexibility and simplified placement.
 
E&S Binding Resources

Identifying Risks Before They Become a Problem

When you’re ready for what can go wrong, everything can go right. Our Risk Engineering team helps identify issues before they become a problem for your clients. Our specialists offer a range of services that can help businesses stay safe and operate with confidence.
 

Our Leadership

We believe in the power of personal, hands-on engagement to deliver outstanding service. This means that while we use state-of-the-art technology, we know that nothing replaces human interaction. Navigators’ products are available exclusively through wholesale brokers. If you are a wholesale broker interested in working with us, please contact one of our business leaders.
Michael Garrison 
Head of Wholesale
 
Lynanne St. Denis 
Head of Wholesale Property & Casualty 
646-413-5277
 
Kyle Sternadori
Head of Casualty
732-623-5694
 
Eric Koppang
Head of Primary Casualty
312-506-5159
 
Jennifer Barbee
Head of Financial Lines
704-501-0222
 
Rick Colbert
Head of Inland Marine
770-730-3505
 
Chris Bellis
Head of Transportation
860-507-0774
 
Brett Brownell
Head of Property
212-613-4202
 
Ken Zygiel
E&S Binding
860-547-6025
 

Partnering With The Hartford for Improved Solutions

In 2019, we joined The Hartford, an insurance company with more than 200 years of innovation and financial strength. Together, we can provide even greater value for brokers and their clients.
 
General Product Description
This general product description is information only and designed for insurance producers. It is neither an offer to sell nor a solicitation to purchase any particular insurance product, and may not be disseminated to the general public. This general product description outlines the coverage(s) that may be afforded under a policy from The Hartford. All policies should be examined carefully for suitability and to identify all exclusions, limitations and other terms and conditions. In the event of a conflict between any policy and this document, the terms and conditions of the policy shall control.
 
About Surplus Lines Coverage
The coverage(s) identified in this general product description may be written on a surplus lines basis. Eligibility for surplus lines insurance coverage is subject to state regulations and requires the use of a surplus lines broker. Surplus lines insurance policies are generally not protected by state guaranty funds. In connection with the insurance offered herein, the broker is responsible for any disclosure or stamping requirements associated with surplus lines policies, and compliance with any declination, due diligence, or record-keeping requirements for surplus lines policies, and collection and payment of the applicable surplus lines premium taxes and any other applicable surcharges owed on each policy and to make any related filings. Surplus lines coverage is underwritten by Navigators Specialty Insurance Company, Maxum Indemnity Company, Pacific Insurance Company Ltd. (except in CT and HI) and Hartford of Illinois Insurance Company in CT and HI.
 
About The Hartford Underwriting Companies
The coverage(s) identified in this general product description may be underwritten by one or more of the property and casualty insurance companies of The Hartford Insurance Group, Inc.
 
In Texas, Arizona, New Hampshire, Washington and California, this insurance is underwritten by Hartford Accident and Indemnity Company, Hartford Casualty Insurance Company, Hartford Fire Insurance Company, Hartford Insurance Company of the Midwest, Hartford Insurance Company of Illinois (CT and HI only), Hartford Lloyd’s Insurance Company (TX only), Hartford Underwriters Insurance Company, Maxum Casualty Insurance Company, Maxum Indemnity Company (not licensed in CA), Navigators Insurance Company, Navigators Specialty Insurance Company (not licensed in CA), Pacific Insurance Company Ltd. (except in CT and HI) (not licensed in CA), Property and Casualty Insurance Company of Hartford, Sentinel Insurance Company, Ltd., Trumbull Insurance Company and Twin City Fire Insurance Company and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.
 
The Hartford Insurance Group, Inc., (NYSE: HIG) operates through its subsidiaries, including underwriting company Hartford Fire Insurance Company, under the brand name, The Hartford,® and is headquartered at One Hartford Plaza, Hartford, CT 06155. For additional details, please read The Hartford’s legal notice at https://www.thehartford.com.