--Type Title Here--Hartford's Spectrum Technology Classes


Class
Definition
Online Technology Service Providers 
Application Service Providers
- General Business Applications


Engaged in delivering and managing applications relating to payroll, human resources, customer relationship management (CRM), accounting, sales management tools and similar functions using pre-packaged or proprietary software, which is accessed and utilized by customers via the Internet.
Application Service Providers
Industry Verticals


Engaged in delivering and managing applications specific to an industry on a vertical basis. Applications may be pre-packaged or proprietary software and are accessed and utilized by their customers via the Internet.
Technology Service Providers



Provide outsource technology services through on-line and network connections. May include back up, storage, help desk support, webcasting, and streaming video. Risks developing the content that is broadcast are not eligible with Hartford - other companies are available.
Internet Search & Indexing
Tool Providers



Engaged in providing tools through computer networks to enable users to locate or identify electronically stored information complied or published by others. Includes search engines and meta-search engines.
Computer & System Services 
Computer Systems Integration
Services



Engaged in developing or modifying software and packaging or bundling software with hardware to create and market an integrated system for specific applications. Provides a combination of development or modification of software, marketing of purchased hardware and involvement in all phases from design through installation. Includes Value Added Resellers.
Computer Facilities
Management



Engaged in providing on-site management and operation of clients' computer systems. Computer support and systems administration services are included. Services are provided on a long-term contract or fee basis. Temporary staffing agencies are not eligible. Server farms are not eligible.
Computer Installation, Repair
& Maintenance Services -
Commercial

Engage in installation, service or repair, on the customers' premises, of commercial computers, computer systems, networks and computer- related equipment not sold by the insured.
Computer Service or Repair


Engaged in installation, service or repair, on or off the insured's premises, of individual or residential personal computers and computer related equipment not sold by the insured. Also includes installation, service or repair of commercially owned computers and/or computer-related equipment on the insured's premises only
Custom Programming, Applications & Consulting Services 
Custom Computer
Programming & Applications
Services



Engaged in writing, modifying, testing and/or supporting software to meet the needs of individual customers. Work is performed on an independent contract basis and may include custom programming, analysis, design, software support/training, software configuration and software installation. Custom software development of -commerce applications is not eligible with The Hartford - other companies are available..
Custom Computer
Programming & Applications
Services - Remote Offices



Risks with 50% or more of their staff working remote and which provide the following services: writing, modifying, testing and/or supporting software to meet the needs of individual customers Work is performed on an independent contract basis and may include custom programming, analysis, design, software support/training, software configuration and software installation. Custom software development of e-commerce applications is not eligible with The Hartford - other companies are available.
Computer Consultants



Provide advice to the customers on the type, size, model of hardware and software required performing the customer's job. Their product is advice. No other services, including programming, repair, and maintenance or leasing of computers, are performed.
Computer Consultants -
Remote Offices



Risks with 50% or more of their staff working remote and which provide the following services: advice to customers on the type, size, model of hardware and software required to perform the customers job. Their product is advice. No other services, including programming, are performed.
Web Site & Internet Design Services 
Web Site Design &
Development Services



Provide consultation and programming services to design a web site and develop the software required to run the web site. Hosting and web site management services provided to their own customers is contemplated. Development of e-commerce applications is not eligible - use the Software & Internet Design Services class for risks with the exposure.
Web Site Design &
Development Services -
Remote Offices



Risks with 50% or more of their staff working remote and which provide the following services: consultation and programming services to design a web site and develop the software required to run the web site. Hosting and web site management services provided to their own customers is contemplated. Development of e-commerce applications is not eligible - use the Software & Internet Design Services class for risks with this exposure.
Software & Internet Design
Services

Risks engaged in providing a combination of custom programming, web site design and development, e-commerce consultations and applications services and software development of e-commerce applications.
Pre-packaged Software Development 
Software Development -
Prepackaged


Development and production of prepackaged software. Mass produced software and limited production software for specialized market niches (such as accounting firms) are included. Custom software development or custom programming should be classified under Software & Internet Design Services or Custom Computer Programming & Applications Services is appropriate.
Market Research Classes 
Market Research Firms



Risks primarily engaged in the collecting of information to determine trends in the marketplace. This includes data mining. Data collection can be by phone, mail, in-person surveys or electronically. Miscellaneous E&O Coverage is excluded.
Market Research Consultants



Risks primarily engaged in the collecting of information to determine trends in the marketplace. This includes data mining. Data collection can be by the phone, mail, in-persons surveys or electronically. Miscellaneous E&O Coverage is included.
Hardware Manufacturing 
Electronic Computers
Manufacturing


Risks engaged in the manufacture of electronic computers such as mini-computers or CPU's (Central Processing Units)
Computer Storage Devices
Manufacturing


Risks primarily engaged in the manufacture of items such as hard drives, back up devices and other media storage devices.
Computer Terminals Manufacturing


Risks primarily engaged in the manufacture of monitors, keyboards and workstations.
Computer Peripheral
Equipment Manufacturing


Risks engaged in the manufacture of equipment used with computers such as scanners, printers, platters and graphic displays.
Printed Circuit Board
Manufacturing


Risks engaged in the manufacture of printed circuit boards. A circuit board has interconnected circuits and components such as microchips that are mounted or etched on the board.
Electronic Components
Manufacturing


These risks produce a wide variety of electrical components that are not otherwise classified and are devices of various physical sizes, current flow, and impedance rating and voltage ratings. The components have a very wide application in electrical circuits.
Electronics & Related Equipment Manufacturing 
Calculating & Accounting
Equipment Manufacturing


The classification includes the manufacturing of all types of calculating and accounting equipment including adding machines, hand held and electrical calculators.
Office Machines
Manufacturing


Manufacture office machines such as copiers; fax machines, adding machines and typewriters.
Audio, Video &
Photographic Equipment
Manufacturing


Manufacture audio and video equipment such as TVs, radios, CD players, video recorders, VCRs, speakers, photographic equipment etc. These are household not industrial or commercial equipment.
Records, Tapes & CDs
(blank form) Manufacturing


Manufacturing of records, tapes, CDs in blank form, no recording. Recording studios and media duplication shall be separately classified.
Telephone & Telegraph
Apparatus Manufacturing

Risks engaged in the manufacture of items used in telephone or telegraph equipment.
Radio & Television
Communication Equipment
Manufacturing

Risks manufacturing radios, TVs, CD players, video recorders etc.

Electron Tube Manufacturing


Risks primarily engaged in the manufacturing of Electron Tubes used in televisions, monitors etc. Risks with an import exposure are ineligible with The Hartford - other companies are available.
Electronic Capacitors
Manufacturing



These risks produce electronic components that are devices of various physical sizes and capacitance ratings. The components are used in electrical circuits to introduce the desired capacitance ratings in the electronic circuit. Capacitors are a very common component and have a wide application in electrical and electronic devices.
Electronic Resistors Manufacturing
The risks produce electronic components that are devices if various physical sizes and ohm ratings. The components are used in electrical circuits to introduce the desired resistance to the flow of electricity. Resistors are a very common components and have a wide application in electrical and electronic devices.
Electronic Connectors Manufacturing
These risks produce a variety of electrical components that are devices of various physical sizes and current flow and voltage ratings. The components are used in electrical circuits to make physical connections in the electrical or electronic circuit. Connectors are a very common components and have a wide application in electrical and electronic devices.
Magnetic & Optical
Recording Media
Manufacturing

Risks engaged in the manufacture of blank tapes, disk or cassette, magnetic or optical recording media for use in recording audio, video and other signals. Pre-recorded items are ineligible with The Hartford - other companies are available.
Assembly Work &
Subassembly of Electronic
Parts for Another
Manufacturer


Operations include the assembly or subassembly of parts for another manufacturer. Risks that import are not eligible with The Hartford - other companies are available.
Assembly Work &
Packaging for Direct
Consumer Distribution -
Electronics Only


Operations include assembly, packaging, shipping with limited finish work of electronic parts. Risks that import are not eligible with The Hartford - other companies are available.
Contract Work - Repair
Work of Finished Product
For a Manufacturer -
Electronics Only


The class applies to risks engaged in the repair of a finished product for the manufacturer of the finished product.

Other Technology Services 
Computer Data Processing

Engaged in providing complete processing and preparation of reports from data supplied by customers. This classification applies only to activities conducted at the insured's premises.
Hosting Services Resellers



Engaged in the purchasing of blocks of space on 3rd party hosting entity servers, which they resell to customers. Hosting entities, Internet Service Providers and Internet Access Providers are not eligible with The Hartford - other companies are available.