Enhanced Orthotic/Prosthetic Program

Nuts & Bolts:
The Hartford Financial Services Group Inc. has introduced a new supplemental property insurance coverage endorsement (SPICE), The Hartford’s premier orthotic and prosthetic program, for practitioners, manufacturers and distributors of custom-fit orthotic and prosthetic devices. The endorsement complements already existing general liability, professional liability, worker’s compensation and auto and umbrella coverages. The Hartford’s 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 O&P SPICE provides up to $200,000 for lost business income, a feature offered to policy-holders at a significant cost savings. Other important 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.

Dollars:
There are no minimum premiums. It has a wide range of deductibles starting at $1,000, and limits vary.

Carrier:
The Hartford, admitted.

States Available:
All 48 contiguous.

Contact:
Brian Courcy, at (800) 639-1504.