Healthcare Practices

Our customized workers’ compensation insurance is tailored to the meet the specific needs of physicians and dentists, with special programs like Needle Stick Reimbursement.

Needlestick Reimbursement Program

The threat of becoming infected from an accident at work involving a needle stick or other sharp medical device is an on-going concern for many healthcare employees. Needlestick injuries should be a top safety concern since they could put your workers at high risk of contracting a blood borne infectious disease. How a sharp injury claim is handled can make a big difference to the injured person and your practice. That's why The Hartford offers a unique program on our Workers' Compensation insurance to help protect employees and your practice.

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The program covers payment for initial testing of your employee and, when the source patient is known and consents, reimburses for testing the source patient. Reimbursement for source patient testing may save your practice money and help determine more quickly if your employee was exposed to any blood borne illnesses.

Importantly, if testing reveals the source patient has a blood borne infectious disease, The Hartford's Workers' Compensation program will work with your employee to obtain prophylaxis treatment in accordance with current Center for Disease Control protocol depending on the source patient results.

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The Hartford’s property insurance coverage is tailored to meet the needs of your healthcare practice. In addition to safeguarding your assets, unique coverages for medical equipment and business interruption insurance help protect your practice from damage.

Medical Equipment Coverage

Medical and dental equipment is expensive – and vital to your practice. This coverage protects the equipment in your office from power surges and mechanical breakdown. Coverage includes electrical arcing or artificial electric current and breakdown of computer equipment, phone systems, video systems, and medical equipment such as digital x-rays, CT scans, MRIs, etc.

Business Interruption Insurance

A property loss for a medical practice can mean a loss of earnings during the restoration period. But property insurance from The Hartford is designed to protect your business income with hassle-free business interruption insurance coverage – helping to compensate you for your lost income following a claim. Standard business interruption coverage includes:

• Business Income - Reimburses you for up to 12 months for your actual loss of business income resulting from a covered loss to property at your covered location. 
• Extra Expense - Covers extra expenses needed to continue your operations, such as renting temporary office space while operations are suspended.

Additional business interruption coverage options include:

• Business Income for Interruption of Practice - Reimburses earnings up to a specified daily limit for the first 15 days of loss. During this period, no earnings documentation is required to recover income from canceled patient appointments- making the claims experience hassle-free.
• Daily Limit Options - Provides additional flexibility in the calculation of business income loss at the time of a claim
• Dependent Properties - Insures against loss of income if:
  
  • A major supplier suffers a covered loss to their property and cannot provide the materials you need to provide your service
  • Your patients are unable to accept your products because of a covered loss to their property
• Electronic Vandalism - Safeguards your practice against loss of income or extra expense due to:
  
  • Website and internet service interruption
  • Denial of service attack
  • Website vandalism
• Forgery - Protects you against loss if others alter your checks, credit card receipts or bank drafts

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Business liability insurance is a critical protection that can help your business stay intact. Slip and fall accidents can happen anywhere – and lawsuits can be a tremendous financial drain on your practice. The Hartford's business liability insurance goes above and beyond the liabilty basics with added coverages such as employment practices liability and optional coverages for data breach protection.

Employment Practices Liability Insurance

Employment related claims are serious business. Liability insurance from The Hartford helps protect you from the expense of employment lawsuits such as those pertaining to discrimination, harassment, and wrongful termination.

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Data Breach Insurance

Having the trust of your patients is critical to the success of your practice. And any practice that stores personal patient information is at risk for a data breach. A data breach can negatively impact your patients’ trust and practice’s reputation. This coverage gives you peace of mind that should data be lost, stolen, or accidentally made public, The Hartford will be here to help you cope with the costs of notifying your impacted patients, public relations, legal defense, and good faith advertising. Plus, our data breach experts will assist you every step of the way during and after the breach crisis.

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