Enhanced Orthotic/Prosthetic Program

Nuts & Bolts:
The Hartford Financial Services Group Inc. introduced a new supplemental property insurance coverage endorsement, The Hartford’s orthotic and prosthetic program for practitioners, manufacturers and distributors of custom-fit orthotic and prosthetic devices. The endorsement complements existing general liability, professional liability, worker’s compensation and auto and umbrella coverages. The Orthotics and Prosthetics program features the company’s broad Property Choice insurance protection, which includes coverage for equipment breakdown and Internet-related exposures, general liability coverage for product claims and professional liability coverage for negligence in designing or providing an orthotic or prosthetic device.

In addition, the new endorsement provides up to $200,000 for lost business income. Other coverage includes up to $100,000 for business property losses, whether they occur in transit or at another location, and up to $25,000 for loss or damage to valuable papers or a laptop computer. It also provides coverage for various financial crimes committed against an insured, including forgery or alteration, counterfeit currency and stolen money and securities.

Dollars:
No minimum premiums; wide range of deductibles starting at $1,000; limits vary.

Carrier:
The Hartford, admitted.

States Available:
All 48 contiguous.

Contact:
Brian Courcy, (800) 639-1504 or programs@chittendeninsurance.