The Hartford Financial Services Group Inc.

The Hartford has added several healthcare-specific coverageoptions to its Property Choice policy, which is designed formidsize businesses:

• Coverage for patient or resident emergency evacuation when thefacility is threatened by a covered cause of loss
• Coverage for clean-up of a contaminated building and equipmentin the event of a disease outbreak
• Decontamination expense coverage, including testing, clean-up,or removal of pollutants
• Reimbursement for drugs, medical devices or supplies that arecondemned or required to be withheld from the market by agovernment authority
• Coverage for loss or damage of perishable stock due to a lossof power

For smaller outpatient practices, The Hartford offers severalhealthcare-specific coverage options as part of its SpectrumBusiness Owner's Policy. These include:

• Optional daily limits for business income, which are designedto make it easier for a provider to recover income from canceledpatient appointments due to a covered loss
• Spoilage coverage for perishable medicines and medical supplies(including pharmaceutical samples)
• Higher optional limits for reimbursement of legal expenses forcourt or review boards

The Hartford also recently enhanced its workers' compensationclaim practice for needle stick injuries. The Hartford providesreimbursement for testing of the source patient in addition to theinjured employee, which helps to identify potential illnesses andbegin appropriate treatment more quickly.

The Hartford provides training resources for healthcare facilityrisk managers, including loss control webinars that address suchissues as patient lifting, the aging workforce, business continuityplanning, healthcare fleet management and ergonomics.