Insurance for the Healthcare Industry

Healthcare Industry insurance

Insurance for Outpatient Facilities or Organizations

The outpatient healthcare industry helps to improve the lives of patients every day. Find a carrier that can provide specialized insurance solutions that will help keep your organization protected, so you can focus on being there for your patients.
Healthcare Industry insurance

Comprehensive Coverage to Help Protect Your Healthcare Facility

The outpatient healthcare industry is vitally important to society. You help to improve the lives of your patients every day. We know you operate in a complex and constantly evolving industry. That’s why we have healthcare professionals on staff as well as a dedicated team of industry experts across:
  • Underwriting
  • Reclamos
  • Risk engineering
  • Operaciones
We’ll partner with your agent or broker to make sure you get coverage tailored to meet the specific needs of your outpatient healthcare facility or organization.

Who We Serve

We can help protect a variety of outpatient healthcare facilities, including:
  • Audiologists
  • Dentists
  • Dermatologists
  • Diagnostic testing labs
  • Doctors
  • Occupational health centers
  • Optometrists
  • Physical and speech therapy
  • Podiatrists
  • Surgery centers

Customizable Insurance for the Outpatient Healthcare Industry

We offer comprehensive coverage offerings that your agent or broker can customize to meet your healthcare facility’s specific needs.
Our broad coverage offerings include:
Property Choice® to help protect your healthcare facility’s buildings and medical equipment. We make it easy for you and your agent or broker to customize this policy with optional additional coverages such as:
  • Biomedical Hazardous Waste Decontamination
  • Emergency Evaluation Expense
  • Crisis Event
  • Embryo, Eggs, Cells and Tissue
  • Patient’s and Patient Visitor’s Personal Property
  • Research Animals
  • Spoilage of Perishable Goods
Equipment Replacement coverage for medical diagnostic equipment that you rent, lease or own, such as:
  • Magnetic resonance imaging (MRI)​
  • CAT scan​
  • Medical radiography​
  • Ultrasound equipment​
  • Radiosurgery​
  • X-Ray equipment
This coverage helps make sure you can repair or replace your equipment following a loss. 
Business income insurance coverage for nonprofit organizations, which we understand makes up a part of the healthcare industry.
Professional liability insurance coverage protects the business if a medical professional makes a mistake when providing services.
General Liability Choice®, which includes broader coverage than the industry standard to help protect against claims of bodily injury and property damage. Our liability insurance for healthcare facilities includes:
  • Coverage for bodily injury claims of mental anguish due to an injury, sickness or disease.
  • Personal and advertising injury protection, which helps cover cyber liability and discrimination.
Workers’ compensation insurance to help your employees recover from a work-related injury or illness. Our return-to-work program can help your employees recover from an injury and get back to work faster.
Needle stick injury coverage to help pay for an employee and patient’s testing.
Commercial auto insurance to help protect you and your employees on the road if you drive facility-owned vehicles for business purposes. Our policy also includes patient transportation coverage for vehicles your business uses to shuttle clients and patients to and from a facility for scheduled procedures, tests and appointments.
Management liability insurance solutions specialized for healthcare organizations, such as:
  • Employment practices liability (EPL)
  • Directors, officers and entity liability (D&O)
  • Fiduciary
  • Kidnap & ransom
Site pollution liability provides environmental damage, property damage & bodily injury coverage for pollution incidents located on, under or migrating from an insured site (i.e. property owned, operated, leased or managed property by an insured seeking coverage).
Umbrella and excess liability, which provides worldwide coverage and limits up to $25 million.
Allied Health professional liability, also known as medical malpractice insurance or errors and omissions (E&O) coverage, is designed to defend non-physician healthcare professionals and healthcare facilities from alleged deviations.
Multinational Choice, which helps protect your healthcare facility from losses and claims in over 200 countries. This coverage can help your business even if you don’t have a location outside the U.S. or employees traveling abroad. Regular business insurance policies may not cover claims in foreign countries.
Healthcare insurance and risk engineering

Identifying Risks Before They’re a Problem in the Healthcare Industry

Nuestra página risk engineering team can help find and fix issues before they become a problem for your outpatient healthcare facility. Our specialists use a variety of resources to help make your business safer, including:
  • Access to continuing education, training, webinars and certified professionals.
  • Water damage risk assessments and consulting services to develop a water damage prevention plan.
  • Automatic sprinkler system and water supply evaluations.
  • Roof inspection and maintenance program review.
  • Electrical preventative maintenance review.

Exceptional Claims Service Dedicated to Healthcare Organizations and Facilities

As a top carrier for Workers’ Compensation and Group Benefits, we know how to handle claims. Over the last five years, we’ve handled about 200,000 claims for outpatient healthcare organizations and paid around $968 million.
With our claims specialists and resources, we’re here to help protect your outpatient healthcare facility and employees. Our team uses data to deliver better outcomes for your organization, and we’re continuing to find new insights that can help your employees get back to work faster.
Our claims team offers:
  • Exceptional medical management with an average savings of 60% on medical bills.
  • Vigilant return-to-work program where our medical professionals work on 90% of all medically-complex claims.
  • Predictive modeling, which has provided over 50 million insights annually – and counting.

Unique Offerings for Healthcare Organizations and Facilities

Track Risk. Explore Opportunities. (TREO)SM
Our risk management information system is designed to simplify claims management and help lower loss costs.
ClaimPlus Team®
A team of professionals who work with each client’s operations and risk exposures.
Specialized Support for Healthcare Industry

Specialized Support

We make it our business to figure out how to best support our customers, which means fully understanding your needs and risks. You can work with your agent to create a customized insurance policy with specialized coverage for your healthcare facility.
Encontrar un agente

Por qué elegir The Hartford

200+ years
financial strength
Ethical company award
1 Financial ratings as of December 31, 2019.
The Hartford no será responsable de ningún daño relacionado con el uso de la información proporcionada en esta página. Consulte con su agente/corredor de seguros o compañía de seguros para determinar las necesidades específicas de cobertura, ya que el contenido publicado aquí se ofrece con fines informativos solamente.
La información contenida en esta página no debe interpretarse como asesoramiento legal, de Recursos Humanos, financiero o de seguros específico, y no es una garantía de cobertura. En el caso de una pérdida o reclamación, las determinaciones de cobertura estarán sujetas al lenguaje de la póliza, y cualquier pago de reclamación posible se determinará luego de que se investigue la reclamación.
Ciertas coberturas varían según el estado y es posible que no estén disponibles para todas las empresas. 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. listed in the Aviso legal.
The Hartford Financial Services Group, Inc., (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, CT. For additional details, please read The Hartford’s Legal Notice.
* Los comentarios de los clientes son recolectados y tabulados por The Hartford y no representan a todos los clientes.