Dear Policyholder/Producer: This is an Underwriting Letter of Intent defining the Hartford's Position on Terrorism and War or Act of War:

The Hartford continues to maintain the following definition of Terrorism:

Terrorism means a premeditated, politically motivated hostile or violent act against non-combatants carried out by an individual or group of persons, who may or may not be operating on behalf of a sovereign state.

Terrorism does not mean any hostile or violent act carried out by a branch of the armed forces of a sovereign state.

Generally, war or act of war refers to hostilities between two or more governments or sovereign nations, not to acts of terrorism by individuals or political groups who are acting independently.

Our claims department will evaluate each claim accordingly with respect to the information they receive at the time of the claim.