Healthcare Industry Insurance Solutions

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Insurance Solutions for the Future of Healthcare

Healthcare risks are becoming more complex. That’s why The Hartford offers specialized coverage to help midsize and large organizations adapt and thrive.
 
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A physical therapist working with a patient

Specialized Insurance That Reinforces the Business of Care

Healthcare organizations face growing challenges, from shifting patient needs and regulatory pressures to rising operational and financial risks. These complexities expand the risk landscape, making specialized insurance essential to maintain stability, protect patient care and support long‑term growth.

Coverage Across the Healthcare Industry

With more than 200 years of insurance experience, The Hartford brings deep industry knowledge and a dedicated team focused on supporting healthcare organizations, including:
  • Audiologists
  • Dentists
  • Dermatologists
  • Diagnostic testing labs
  • Doctors
  • Occupational health centers
  • Optometrists
  • Physical and speech therapy
  • Podiatrists
  • Surgery centers 

Protection Built for Healthcare Risks

Backed by healthcare specialists across underwriting, claims, risk engineering and operations, our comprehensive offerings help reduce exposure and support uninterrupted, high-quality care, including: 

Our Coverages

Property Choice® offers coverage options designed for a healthcare facility’s buildings and medical equipment, with customizable optional additional coverages like:
 
  • 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 helps repair or replace medical diagnostic equipment that is rented, leased or owned following a loss, such as:
 
  • Magnetic resonance imaging (MRI)
  • CAT scan
  • Medical radiography
  • Ultrasound equipment
  • Radiosurgery
  • X-ray equipment
Professional Liability insurance coverage is available for claims that may arise if a medical professional is accused of making a mistake while providing services.
General Liability Choice® offers broader coverage options than the industry standard for exposures related to bodily injury and property damage.
Commercial Auto insurance is relevant if employees drive facility-owned vehicles for business activities. Our policy also includes patient transportation coverage for vehicles used by a healthcare business to shuttle clients and patients to and from a facility for scheduled procedures, tests and appointments.
Umbrella and Excess Liability coverage extends liability limits and applies on a worldwide basis, with available limits up to $25 million.
Needlestick injury coverage is designed for healthcare professionals who sustain a needlestick incident on the job. It helps pay for immediate treatment, testing for bloodborne pathogens and any required follow‑up care.
Allied Health professional liability, also known as medical malpractice insurance or errors and omissions (E&O) coverage, is designed to help defend non-physician healthcare professionals and healthcare facilities from alleged deviations.
Management Liability insurance offers specialized solutions, including:
 
  • Employment Practices liability (EPL)
  • Directors, Officers and entity liability (D&O)
  • Fiduciary
  • Kidnap and Ransom 
Site Pollution Liability coverage is designed to help protect healthcare organizations from pollution incidents located on, under or migrating from an insured site.
Multinational Choice is applicable in over 220 countries for certain types of losses and claims, even if the organization doesn’t have a location outside the U.S. or employees traveling abroad.

Looking for Small Business Solutions?

Healthcare companies of all sizes have unique coverage and support needs. For smaller organizations seeking tailored protection and resources, visit our dedicated small business page.
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Identifying Risks Before They’re a Problem for the Healthcare Industry

Our risk engineering team can help find and fix issues before they become a problem for a healthcare organization. Our specialists use a variety of resources to help make businesses safer, including:
 
  • Ergonomic evaluations
  • Business continuity planning
  • Emergency preparedness
  • Premises safety
  • Cyber security
  • Return-to-work programs
  • Resources for controlling losses and limiting exposures 
Person shuffling paperwork

Exceptional Claims Service Dedicated to Healthcare Organizations

Our experienced claims and legal assistance teams take a timely, proactive approach to handling claims. We offer these exceptional resources:
 
  • Specialized ClaimPlus Teams focus on serving large customers with tailored claims handling while consulting experienced adjusters for complex cases.
  • Track Risk. Explore Opportunities (TREO) is a risk management information system designed to simplify claims management and effectively lower loss costs. 

Insights To Help Navigate Healthcare Industry Risks