The Hartford is introducing a water sensor program for commercial property policyholders in New Mexico, signaling a continued push into embedded risk mitigation tools.

The informational filing, submitted April 29, 2026, covers a value-added product offering that will be available starting May 1, 2026. The program provides water sensor devices and related monitoring services designed to detect leaks, track water usage, and help prevent water damage losses.

The sensors will be deployed through third-party vendors, which handle installation, training, and ongoing monitoring. The offering is targeted at specific commercial segments, including office buildings, healthcare facilities, educational institutions, and research or pharmaceutical sites.

Importantly, the program comes at no cost to policyholders and is not built into insurance premiums. Instead, it is positioned as a loss control tool, aimed at reducing claims frequency and severity while giving insurers better visibility into property-level risk.

The filing aligns with New Mexico’s framework for value-added services, which allows insurers to offer risk mitigation tools outside the core policy as long as they relate to coverage and are provided fairly across eligible customers.