Medical Practice & Healthcare Professional Insurance

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Why Healthcare and Medical Professionals Need Business Insurance

Healthcare and medical professionals face unique risks for many reasons including the limited mobility of some of their patients and the sensitive patient information they deal with every day. And that’s in addition to the other risks you face, like property damage to your medical business office or loss of business records and patient files. Learn about the insurance coverages small medical offices and healthcare professionals typically need, and most often purchase, from The Hartford.

Business Owner’s Policy

Most medical or healthcare practices have a Business Owner’s Policy (BOP). Why? Because it helps protect your medical business or healthcare facility in much the same way a homeowner’s insurance policy helps protect your home and personal possessions.
By combining three basic insurance coverages that are important to almost all small businesses, including medical offices and healthcare practices, a Business Owner’s Policy (BOP) can help medical and healthcare professionals save money on insurance rates while protecting what they’ve worked so hard to build.
  1. General Liability – helps protect your medical and healthcare business from certain lawsuits alleging injuries or property damage that occurred as the result of your business operations, like if a patient is injured at your healthcare facility or medical spa or an employee causes damage to a patient’s property. It even helps cover certain claims of slander and libel. Business Liability does not cover liabilities directly arising out of the professional medical and healthcare services you may provide.
  2. Commercial Property – helps protect the place where you do business and the tools you use to conduct your medical and healthcare practice, such as computers, therapy tools, and medical equipment.
  3. Business Income – helps cover the loss of income when you’re unable to treat your patients because of covered property damage.
Learn more about our Business Owner’s Policy for your small medical office or healthcare profession.
Easily Add Optional Insurance Coverages to a Business Owner’s Policy
Medical and healthcare offices often store sensitive employee and patient information, including Social Security and debit/credit card numbers. Data Breach Coverage helps pay the costs of notifying impacted individuals, managing public relations, good faith advertising and legal liability expenses if personal information is lost or stolen from your company.
Medical professionals may potentially be sued by current or former employees for issues such as discrimination, wrongful termination, harassment and retaliation. For example, if a job applicant claims that he was not hired by your medical business due to a perceived disability, EPL may help cover the legal expenses associated with this claim.
Your healthcare practice’s refrigeration system may suffer a mechanical breakdown which caused the supply of vaccines you have on hand to spoil. This coverage helps cover the cost to replace the lost stock.
Have you thought about what would happen if you weren't able to open your medical or healthcare practice due to property damage or because your water, electric or other utility services were down? Business Income for Interruption of Practice Coverage helps replace lost earnings for up to 12 months after a covered loss, along with any additional expenses you may need to pay to help keep your medical or healthcare practice open while your property or utilities are being fixed.
There’s even an option that lets you choose the amount you’ll be paid each day for the first 15 days that your medical or healthcare practice is down. And compared with other insurance companies, you'll find that The Hartford supports you at every step to make your claims experience as simple and as quick as possible.
The Hartford’s Business Income Extension for Cloud Service Interruption may help replace business income that your medical office loses due to an interruption in cloud services. For example, if you’re medical office stores patient information on a cloud-based service and that service goes down, you may be temporarily unable to do business. This coverage from The Hartford may help replace income that is lost due to an interruption in your business’s cloud service.
Bundle Insurance Coverage for Medical Offices and Healthcare Profession Businesses
It’s easy to increase your medical or healthcare practice’s Business Owner’s Policy (BOP) protection at an affordable price with The Hartford’s Stretch® endorsements that bundle valuable key insurance coverages. For medical and healthcare practices like yours we offer:
  • Stretch
  • Super Stretch for Medical & Dental Offices and Healthcare Services Providers
  • Premium Stretch for Medical & Dental Offices and Healthcare Services Providers
Contact an agent or a representative from The Hartford about these cost-effective solutions that help take the guesswork out of selecting the right small business insurance coverage for your healthcare practice.

Additional Solutions

If you have employees, use a car for work, or work from home, your medical office or healthcare business may also benefit from:
Other Important Insurance Options for Medical Office and Healthcare Businesses
Required by most states, workers’ comp provides benefits to employees of your healthcare or medical practice for work-related injuries or illnesses including medical care, wages from lost work time, and more.
And if an employee’s family decides to sue you, workers’ comp coverage can help you with related legal fees. Medical and healthcare practices are among the many businesses that have been turning to The Hartford for workers’ compensation insurance coverage for more than a century. 
Do you use your car to visit patients, pick up medical supplies, records or more?
A Business Auto Policy provides coverage generally not included in a personal auto insurance policy. It can cover you or an employee when an owned vehicle, used for business purposes is involved in an accident. 
If you run your healthcare or medical practice out of your home, you probably want a Business Owner’s Policy (BOP). A BOP provides coverage not generally available with a homeowner’s insurance policy. 

Ask yourself, “Do I have patients come to my home, receive deliveries for my medical business at my house, have employees or medical supplies in my home?” If so, your agent or a representative from The Hartford can help you select the right coverage to protect your medical or healthcare practice.
Certain coverages vary by state and may not be available to all businesses. 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. In TX, this insurance is written by Sentinel Insurance Company, Ltd., Hartford Casualty Insurance Company, Hartford Lloyd’s Insurance Company, Property and Casualty Insurance Company of Hartford, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Hartford Accident and Indemnity Company and Hartford Fire Insurance Company. In CA by Sentinel Insurance Company, Ltd. (CA license # 8701) and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.
The Hartford® is The Hartford Financial Services Group, Inc. and its property and casualty subsidiaries, including issuing company, Hartford Fire Insurance Company. Its headquarters is in Hartford, CT.