Source: The Hartford — Healthcare Insurance
The Hartford: Healthcare Offices Insurance Appetite
The Hartford is an outstanding market for outpatient healthcare offices — dentists, physical therapists, chiropractors, optometrists, and allied health professionals. With 105,000+ healthcare small businesses insured, they have deep experience with this class. Their allied health professional liability covers the facility and non-physician staff, which pairs well with individual physician malpractice from a specialty carrier. Bundle the BOP, workers' comp, and professional liability for best pricing and coverage breadth.
Available Lines
| Line of Business |
|---|
| Business Owners Policy (BOP) |
| General Liability |
| Commercial Property |
| Workers' Compensation |
| Professional Liability |
| Umbrella/Excess |
| Cyber Liability |
| Employment Practices Liability |
Premium Range
$3,000-$25,000
Typical annual premium
Target States
48 states + DC (excludes AK, HI)
Key Features
- Insures over 105,000 outpatient healthcare small businesses nationwide — deep industry expertise
- Allied Health professional liability covers non-physician healthcare professionals and healthcare facilities
- Cyber liability includes HIPAA breach response and notification costs — critical for medical offices
- Property coverage for medical instruments, therapy equipment, and specialized healthcare technology
- Risk engineering resources include continuing education, training, webinars, and certified safety professionals
Limitations
- Surgical centers and ambulatory surgery facilities require specialty underwriting outside the small commercial program
- Physician malpractice for surgeons and high-risk specialties needs dedicated medical malpractice carriers like MEDPRO or CNA
- Large physician groups over 20 providers move to middle market underwriting with longer timelines
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