thehartford.com

As a health professional, you focus on caring for your patients. We can help you care for your business, with tailored insurance coverages to meet the needs of healthcare service providers and the experience to help you face the challenges unique to the healthcare industry.

The Hartford provides insurance coverages for a range of healthcare service providers:

• Dentists/dental offices
• Physicians/medical offices
• Optometrists
• Chiropractors
• Podiatrists
• Health Practitioners (Audiologists, Dieticians, Occupational and Physical Therapists)
• Radiology laboratories
• Dental laboratories
• Medical billing offices

In addition to broad property and business liability coverages, our healthcare industry-specific coverages include:

Bundled Protection Coverages

• Accounts Receivable: Helps protect against inability to collect outstanding balances as a result of lost or damaged records.
• Valuable papers and records: Helps protect the value of your time, work and research to re-create customer records or files that are damaged or destroyed by a covered loss.
• Billable hours: Provides the option - at the time of a claim - to have your covered business income loss paid on a billable hours basis.
• Temperature change: Coverage for physical loss or damage of perishable items, such as pharmaceuticals, caused by a change of temperature by a refrigerant. 
• Precious metals: Coverage for the precious metals used in your business (such as gold, silver and platinum) if there is a loss by theft.

Reimbursement of Legal Expenses for Disposal of Medical Waste

If you are involved in certain types of legal proceedings in which a violation of a law or regulation governing the disposal of medical waste is alleged, reimburses up to a specified limited for defense costs.

Reimbursement of Legal Expenses for Court or Review Boards

Covers legal expenses up to specified limit in connection with any disciplinary action brought against you before any court or state review board.

Core Coverage Options

Learn more about the products and services from The Hartford:

• Property
• General liability 
• Workers' compensation
• Commercial auto liability
• Group benefits (including disability and life insurance)
• Retirement Plans
  

This document outlines in general terms the coverages 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 described in this document may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc.