The Hartford submitted a filing in North Carolina introducing several new exclusions for its Spectrum Businessowners program, affecting liability, property, and umbrella coverage.

The filing, submitted on March 4, 2026, applies to policies issued by Hartford Underwriters Insurance Company and Property and Casualty Insurance Company of Hartford, with a requested effective date of July 10, 2026 for new and renewal business.

The update adds three main exclusions:

Assault or Battery Exclusion

• Removes coverage for bodily injury, property damage, and personal or advertising injury arising from assault or battery.
• The exclusion applies regardless of who committed the act, including employees, third parties, or others on or near the insured premises.
• Claims alleging negligence such as failure to supervise, hire, or monitor individuals are also excluded.

Failure to Supply Exclusion

• Removes coverage for injury or damage resulting from a failure to supply utilities including gas, oil, water, electricity, steam, or biofuel.
• Coverage may still apply if the interruption results from sudden and accidental damage to property used to produce or transmit the utility.

Space Weather Exclusion

• Excludes property damage caused by space weather events originating beyond Earth’s atmosphere.
• Covered events include solar flares, geomagnetic storms, coronal mass ejections, solar wind, and other electromagnetic disturbances that interfere with property or infrastructure.

The assault or battery and failure to supply exclusions apply to both primary liability coverage and umbrella policies when the underlying forms are used.

According to the filing, the endorsements are optional and are intended to clarify the insurer’s intent to exclude these exposures within the Spectrum policy framework. The filing does not include any rate changes.