General Liability Insurance for Home Health Care Companies and Medical Doctor Offices is available with The Hartford.  These extensive plans include coverage for Directors and Officers, Employment Practices Liability and Crime.Home Health Care is a growing industry for both nursing services and non nursing (companion) services.  Companies are offering more options for Liability Insurance in these industries and expanding the coverages to better insure its clients.In keeping pace with today’s complex healthcare environment, healthcare organizations of all kinds face significant exposures related to management liability – from everyday operational oversight to the challenges of employment-related decision-making.To help address the unique risks healthcare organizations face, The Hartford offers Private Choice Encore for Healthcare Organizations– a convenient package of some of the most sought-after coverage features in the insurance industry.Private Choice Encore® for Healthcare OrganizationsCRITICALLY IMPORTANT COVERAGEFor healthcare organizations of all sizes, PrivateChoice Encore for Healthcare Organizations offersthese five valuable coverage options:• Directors, Officers & Entity Liability (D&O)• Employment Practices Liability (EPL)• Fiduciary Liability• Crime• Kidnap and Ransom D&O Coverage• Coverage for everyday management and businessdecisions made by the directors, officers andmanagement of healthcare facilities• Coverage for certain fines and penalties, if insurableby law, stemming from violations of the EmergencyMedical Treatment and Active Labor Act (EMTALA),the Health Insurance Portability and AccountabilityAct (HIPAA ), and other specified tax provisions• Expanded list of covered persons including certainmedicalstaff, faculty, volunteers and trustees• Covered entities include typical subsidiaries andcontrolled auxiliaries and guilds• Available Anti-trust Claim coverage for qualifyingrisks• Defense cost coverage available by endorsementfor qualifying organizations for investigations andclaims arising out of governmental funding• Coverage for wrongful acts involving peer reviewand credentialing decisionsEPLI Coverage• Comprehensive coverage for employment-relatedwrongful acts including wrongful termination,retaliation, discrimination, sexual harassment andother workplace torts• Expanded definition of employee includesIndependent Contractors• Available coverage for discrimination andharassment claims brought by third parties, such aspatients, visitors or other business invitees of theorganization• 24/7 access to our Risk Management Help Lineprovided by Jackson Lewis LLC, one of the largestlaw firms in the country devoted exclusively to thepractice of employment, labor, employee benefitsand immigration lawFiduciary CoverageFor claims that arise from the administration andoversight of specified employee benefit plansprovided to employees (including retirees) ofhealthcare organizations.Crime CoverageTo protect healthcare organizations against theftlosses from employee dishonesty, theft and otherrelated exposures.Kidnap & Ransom CoverageFor protection of healthcare organization employees,at home and while traveling abroad.