Thumbs up for The Hartford on their Business Insurance.* [Yes, I
  read them every year on renewal time].* Some subtle nice changes
  that better reflect current needs of small business culture,
  which had been changing as regulations (maybe state but likely
  local) make strict adherence more mandatory for all parties
  involved. My favorite words? RETROACTIVE DATE: 08072007 In how
  many places in life do you get something *RETROACTIVELY*? "Yes,
  these terms are not only for today and for the following year,
  but we're going to reach *backwards in Time* and make these
  _beneficial_ terms apply to the entire time you've been with
  us." Thumbs up, to The Hartford.* Why, I'll even Like their page
  on Facebook.

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