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Property, Workers’ Comp and Other Essential Insurance Coverages for Healthcare Businesses & Practices

You would do anything to protect the financial future of your business. From your building and surrounding properties to the well-being of your employees, you want to be prepared should anything happen. That’s why it’s important for you to have broad business owner’s insurance coverage. A Business Owner’s policy (BOP) through HPSO is designed to help cover your business or practice from any risks encountered during your day-to-day operations. 

Exclusive Benefit for APTA Members! 

Hartford's dividend feature gives you the potential to save on your Business Property Insurance and Workers' Compensation. 

If the claims experience for the group of physical therapists insured by The Hartford through the HPSO program is favorable, you may receive a portion of your premium returned to you in the form of a dividend. 

This dividend feature applies both to Business Property Insurance and Workers’ Compensation. Dividends are not guaranteed.

Business Property Insurance

You put a lot of care and attention into the facilities you use to conduct your business. If your building and its surrounding properties were to become damaged due to unforeseen circumstances, business property insurance can help ensure your business gets back up and running. Coverage through HPSO protects against personal property loss, fire damage, loss of income, and natural disasters. Coverage Details: • Building – Standard Form (Named Peril) or Special Form (All Risk) • Business Personal Property • Property Deductible • Business Income & Extra Expense • Accounts Receivable • Money & Securities-Inside Premises • Money & Securities-Outside Premises • Valuable Papers • Ordinance or Law Coverage • Fire Department Service Charge • Newly Acquired Building • Personal Property at Newly Acquired Building • Tenant's Glass • Identity Recovery • Equipment Breakdown • Terrorism


Workers’ Compensation Insurance

As a business owner, you have a responsibility to provide a safe work environment for your staff members. But accidents happen, and if one of your employees becomes injured or sick as a result of a work-related incident, you may be responsible to provide care for him or her. HPSO’s workers’ compensation insurance coverage pays for your employees’ medical coverage, loss wages, and any other liabilities. Keep in mind that workers' compensation coverage is governed by your state's workers' compensation laws.

Commercial Umbrella Insurance

When you own a business, you can’t always plan for the unexpected. HPSO’s commercial liability insurance for healthcare businesses is here to help cover you and your practice. This broad liability coverage provides excess liability coverage over scheduled, underlying general liability, auto liability, and employer’s liability coverages. It is designed to increase the limits of liability, thereby providing catastrophe coverage. The umbrella policy pays (up to the umbrella policy limit) for losses only after the amount of loss exceeds any existing primary policy limits.

Employment Practices Liability Insurance

No matter how hard you work to treat your employees fairly and with respect, you can still be faced with a lawsuit. Whether your business is large or small, you are vulnerable to the threat of legal action and may be liable for damages. Help protect your practice against employee claims with employment practices liability insurance.


Coverage through HPSO helps protect your healthcare business against wrongful acts arising from wrongful termination, discrimination, sexual harassment, wrongful discipline, and failure to employ or promote. Questions? Please call us at 1-866-283-7128




Call 1-866-283-7128

Mon – Fri, 8 a.m. – 6 p.m. ET.​