   , boosts morale Chittenden Bank in Burlington, VT, wanted more than just insurance from its carrier. The bank also wanted professional advice on how to make the work environment safe and more productive. Measuring the work environment was key to the solution, which they found with The Hartford and its team of loss control consultants. The Hartford’s Executive Loss Control Consultant,  Bob Fruchter , left, was able to provide what  Jim wanted. Bob performed a claims trend analysis to identify problem areas within the bank and then presented the client with a detailed plan to address problems, case by case.  “The Hartford identified the  root causes of our losses, which then enabled us to fix them,”  notes Jim. “We made workstation enhancements across the bank  and began a training and educa- tion program. The Hartford also remained committed to servicing our account and to getting the  job done for us, certainly above and beyond the norm.”  from their workstations. It also provides them with immediate access to the most complete product information available, thereby reducing the time required to generate competitive product quotes. At year end, more than 30,000 agents and their employees were registered users of the Electronic Business Center and “Icon 2.0.” For business insurance customers with annual revenues  of more than $15 million–the middle market segment– The Hartford offers  commercial and specialty insurance  solutions to more businesses with increasingly complex needs. In 2004, The Hartford’s middle market business insur- ance segment increased penetration of its existing market  11 % premium growth in middle market business insurance 24 Jim Bagnall , right, Vice Presi- dent and Risk Control Manager of the Chittenden Insurance Group, wanted to help his client, the bank, with the best service to help with claims and safety issues.