Healthcare Facilities

Our property insurance for healthcare facilities includes our enhanced Property Choice® to protect your property and business income. Property coverages particularly appropriate for hospitals and care facilities include:

Communicable Disease Coverage

Handles the cost to clean up contaminated buildings or property, as well as resulting business income loss, in the event a government health authority has issued an advisory about an outbreak of a specific disease.

Mandated Decontamination Coverage

Pays to test for, clean up, remove, restore or replace covered property, as well as resulting business income loss, to comply with an ordinance or law that requires you to test for, clean up or remove pollutants.

Condemnation of Undamaged Stock Coverage

Pays for visibly undamaged drugs, biologicals, medical devices or medical supplies that have been condemned, or are subject to a written request that they be withheld from market, by a government authority.

Radioactive Contamination Coverage

Covers loss or damage resulting from accidental radioactive contamination or resulting radiation damage to the facility.

Patient or Resident Evacuation Coverage

Reimburses you for expenses you incur for the emergency evacuation of patients or residents in response to potential harm.

Personal Effects of Patients or Residents Coverage

Covers damage to or theft of personal property, other than money or securities, belonging to patients.

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The Hartford offers valuable and sought-after management and professional liability insurance coverages in our Private Choice Encore® product, tailored to meet the needs of hospitals and healthcare facilities of all sizes.

Directors & Officers Coverage

Protects directors and officers of healthcare organizations and certain volunteers, trustees, and faculty against loss (damages and defense cost) arising out of their status or conduct.

Employment Practices Liability Coverage

For claims arising out of employment practice disputes, this coverage protects healthcare facilities from resulting damages and defense costs. Common claims allege discrimination, sexual harassment wrongful termination and wrongful discipline.

Fiduciary Coverage

For claims that arise from the administration of specified employee benefits plans provided to employees and retirees of healthcare organizations.

Crime Coverage

Protects healthcare organizations against losses from theft, employee dishonesty, and other related exposures.

Kidnap & Ransom Coverage

For protection of hospital and healthcare facility employees, at home and while traveling abroad.

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The following business insurance products may also be appropriate for your healthcare facility:

• Workers’ Compensation Insurance
• General Liability Insurance
• Data Breach Coverage
• Umbrella Insurance
• Commercial Auto Insurance
• Loss Control

Group Benefits for Healthcare Facilities

Now more than ever, busy inpatient care facilities like yours are taking a hard look at their costs while addressing complex needs. Like retaining a qualified staff of diverse workers. Reducing absenteeism. And boosting productivity and operational efficiency. How do you do it all? The Hartford offers a suite of insurance products—from group disability to life and accident—to help you reach your goals.

A clinical approach to claims

Employees can initiate claims by phone, eliminating paperwork. And when they do, they're assisted by an experienced nurse from start to finish. Nurses reach out to their physicians, ensuring that claims decisions are fair, based on accurate medical information.

Professional return-to-work assistance

At The Hartford, we believe in supporting people's abilities in any circumstance. Employees with disabilities are assisted by trained return-to-work coordinators to help them get back on payroll safely and, in many cases, weeks before their doctors predict.

Integrated leave management

Your facility can opt to have us manage all of your employee leaves—from workers' compensation to family medical leave and employer-paid leaves.

A choice of payment options

You can opt for employee-paid (voluntary) plans as well as traditional employer-paid arrangements.

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Employee Benefits Products for Healthcare Facilities

Employee Benefits

• Leave Management
• Group Disability Insurance
• Life & Accident Insurance
• Retiree Health Coverage
• Employer-Sponsored Retirement Plans

All coverages and services may not be available for all businesses or in all states. For details on what coverages and services are available to you, contact your agent at The Hartford today.

This site outlines in general terms the coverages and services that may be afforded under a Hartford policy. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty or life and accident insurance company subsidiaries of The Hartford Financial Services Group, Inc.