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Healthcare Facilities

The Hartford understands Healthcare and tailors our coverages and services to meet your specific needs and protect what’s most important to you. Review a sampling of our industry-specific coverages below.

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Put our years of experience with healthcare facilities like yours to work for you. We understand healthcare and tailor our coverage to meet your industry’s unique needs. You'll get the benefit of protection specifically designed for such healthcare providers as:

  • Hospitals
  • Long-term care facilities, including nursing homes and intermediate care, independent living and assisted living facilities
  • Outpatient healthcare services, including group practices, medical laboratories and imaging centers

Our protection for the healthcare industry includes enhanced Property Choice® coverage for your property and business income. Medical diagnostic equipment, for example, represents an important source of revenue for your industry and a significant exposure to loss. The Hartford can provide coverage for high-value, fixed and mobile diagnostic equipment, optional business income and optional extra expense and expediting expense coverage.
 
Examples of Property coverage from The Hartford that address the needs of Healthcare providers are:

Communicable Disease

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 

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

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

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

Patient or Resident Evacuation

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

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

To help you improve safety, our Loss Control specialists offer a consultative approach and can support you through access to:

  • Continuing education to help administrators and risk managers meet their continuing education needs and protect their facilities.
  • Certified specialists such as ergonomists, fire protection specialists, industrial hygienists and business continuity planners.
  • Training in Sharps Injury Prevention and webinars on topics such as the aging workforce and emergency preparedness.

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 page 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 insurance company subsidiaries of The Hartford Financial Services Group, Inc.

 

Products and Services for Healthcare Facilities

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For your business
Workers' Compensation

Provides coverage to employers for benefits to employees for work related injuries or illnesses that cover medical expenses, lost wages, disability and benefits for families in the event of a fatality.

100% relevancy
For your business
General Liability

The essential financial protection from lawsuits and claims that no business can be without.

90% relevancy
For your business
Property Coverage

Safeguard your business and protect valuable assets with our customizable Property coverage. From equipment to buildings to computer fraud—tailor a policy that fits your needs.

90% relevancy
For your employees
bundle Group Benefits

The Hartford has a lot of benefits to offer.  Here's a list of products and services that protect lives, hopes, dreams and loved ones.

90% relevancy
For your business
Commercial Auto

Our Commercial Auto policies come equipped with a variety of enhancements whether you’re on or off the road.

80% relevancy
For your employees
Employer-Sponsored Retirement Plans

For more than 40 years, The Hartford has been a top provider of employer retirement plans.  We deliver unmatched service, unparalleled support and programs and services to help you achieve what's ahead.

80% relevancy
For your employees
Voluntary Benefits Solutions

Help protect their income. Help protect your bottom line.

80% relevancy
For your employees
Group Disability

We see the ability in disability.

80% relevancy
For your employees
Retiree Health Coverage

When your employees stop working, their benefits don't have to.

80% relevancy
For your employees
Life & Accident

A cushion of protection for life itself.

80% relevancy