Hospital All Risk Property Program (HARPP) is a group purchase program with no risk sharing and no possibility of future assessments. The program mimics individual placements in that each participant has its own limits. The benefits available to hospitals are based upon the principles of an impressive total insurable value of $21 billion, large premium volume, and spread of risk.
The policy can provide coverage for all property of every description of an insurable nature—both real and personal—of the insured. Coverage also includes property of others in the care, custody, or control of the insured for which the insured is liable or under obligation to keep insured wherever located in the United States.
Replacement cost for physical damage
Automatic acquisition of new locations
Blanket fine arts coverage
Course of construction coverage
Property appraisals every three years
Boiler and machinery included
Additional coverage for pollution-related risks
Hospital Crime Program
Providing discounted rates and long-term stability, this program offers coverage for employee dishonesty, faithful performance for district hospitals, theft, forgery and alteration, computer fraud, and coverage for volunteers and board members.
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