OUTPATIENT HEAL THCARE

Needlestick Coverage Explained in Detail

THE..-. HARTFORD

Today's doctors, nurses, and medical professionals are even more dedicated to helping patients than ever before. Often overworked and underappreciated, they face unprecedented challenges and consequences. No one is more aware of this than The Hartford.

Helping outpatient healthcare practices is one of our

specialties. With more than 125,000 customers, we

have the experience that you can't get without

being in the trenches. We've learned firsthand what

the problems are and the obstacles to solving those

issues.

As a result, The Hartford has developed tailored

7 in 70 healthcare workers are accidentally stuck by a needle every year'

solutions for medical professionals. Our Workers' Compensation coverage for outpatient

healthcare practices reflects our knowledge of the industry.

How The Hartford is Different

An important example is our "Needlestick" coverage. It's part of our specialized

healthcare Workers' Compensation coverage. Each year, thousands of healthcare workers

are accidentally stuck by contaminated needles. They are needlessly exposed to blood­

borne and life threatening diseases such as HIV, Hepatitis B, and Hepatitis C.

'Centers for Disease Control and Prevention, Henry and Campbell 1995; EPINet 1999

OUTPATIENT HEAL THCARE

Needlestick Coverage Explained in Detail

THE..-. HARTFORD

Today's doctors, nurses, and medical professionals are even more dedicated to helping patients than ever before. Often overworked and underappreciated, they face unprecedented challenges and consequences. No one is more aware of this than The Hartford.

Helping outpatient healthcare practices is one of our

specialties. With more than 125,000 customers, we

have the experience that you can't get without

being in the trenches. We've learned firsthand what

the problems are and the obstacles to solving those

issues.

As a result, The Hartford has developed tailored

7 in 70 healthcare workers are accidentally stuck by a needle every year'

solutions for medical professionals. Our Workers' Compensation coverage for outpatient

healthcare practices reflects our knowledge of the industry.

How The Hartford is Different

An important example is our "Needlestick" coverage. It's part of our specialized

healthcare Workers' Compensation coverage. Each year, thousands of healthcare workers

are accidentally stuck by contaminated needles. They are needlessly exposed to blood­

borne and life threatening diseases such as HIV, Hepatitis B, and Hepatitis C.

'Centers for Disease Control and Prevention, Henry and Campbell 1995; EPINet 1999

The Hartford's Workers' Comp for Medical and Dental Professionals offers broad

protection that includes:

Payment for the initial cost of testing your employee

Reimbursement for initial testing costs of the source patient (not all workers'

compensation insurance carriers offer that)

Perhaps most importantly, we will work with the employee to get them preventative

treatment if testing reveals that the source patient has a blood-borne disease,

Tips to Prevent Needlestick Injuries

At The Hartford, we're focused on helping to prevent accidents and mitigate loss,

We publish safety tips and best practices to keep your customers up to date, For

instance, here are some simple tips you can share with your customers to help prevent

needlestick injuries:

7. Use safer needle devices and needleless devices to decrease needlestick or other

sharps exposures,

2. Properly handle and dispose of needles and other sharps according to OSHA's

Bloodborne Pathogens Standard.

3. Do not bend, recap, or remove contaminated needles and other sharps unless such an

act is required by a specific procedure.

4. Do not shear or break contaminated sharps.

5. Put needle receptacles near areas where needles are used.

6. Discard contaminated sharps immediately or as soon as possible into appropriate

containers.

7. Sharps containers should be closable,

puncture-resistant, leak-proof,

accessible, and properly labeled.

8. Provide training to exposed employees

on at least an annual basis and assure

that your facility meets all requirements

of OSHA's Bloodborne Pathogens

Standard.

The Hartford's Workers' Comp for Medical and Dental Professionals offers broad

protection that includes:

Payment for the initial cost of testing your employee

Reimbursement for initial testing costs of the source patient (not all workers'

compensation insurance carriers offer that)

Perhaps most importantly, we will work with the employee to get them preventative

treatment if testing reveals that the source patient has a blood-borne disease,

Tips to Prevent Needlestick Injuries

At The Hartford, we're focused on helping to prevent accidents and mitigate loss,

We publish safety tips and best practices to keep your customers up to date, For

instance, here are some simple tips you can share with your customers to help prevent

needlestick injuries:

7. Use safer needle devices and needleless devices to decrease needlestick or other

sharps exposures,

2. Properly handle and dispose of needles and other sharps according to OSHA's

Bloodborne Pathogens Standard.

3. Do not bend, recap, or remove contaminated needles and other sharps unless such an

act is required by a specific procedure.

4. Do not shear or break contaminated sharps.

5. Put needle receptacles near areas where needles are used.

6. Discard contaminated sharps immediately or as soon as possible into appropriate

containers.

7. Sharps containers should be closable,

puncture-resistant, leak-proof,

accessible, and properly labeled.

8. Provide training to exposed employees

on at least an annual basis and assure

that your facility meets all requirements

of OSHA's Bloodborne Pathogens

Standard.

WORKERS' COMPENSATION TAILORED TO YOUR CUSTOMER'S NEEDS Needlestick coverage is just one example of how The

Hartford can tailor coverage to your customer's industry,

business and specific requirements.

The Hartford's been doing it since the beginning. We were

among the first carriers to provide Workers' Compensation

Insurance, issuing our first policy in 1913 just after the first

workers' compensation law was passed. And we've been

listening to customers, working with independent agents

like you and perfecting our policies ever since.

This document contains only a general description of coverages that may be provided and does not include all of the features, exclusions and conditions of the policies it describes. Certain coverages, features and credits may vary by state and may not be available to all insureds. You should consult the actual policy language and speak with the appropriate Hartford representative if you have questions. In the event of a loss, the terms of the policy issued will determine the coverage provided. Coverages are underwritten by Hartford Fire Insurance Company and its property and casualty affiliates, Hartford Plaza, Hartford, CT 06155, CA lic. #5152. All information and representations herein are as of April 2013.

@ April 2013 The Hartford Financial Services Group Inc., Hartford, CT 06155 All Rights Reserved

Offer your customers the best value and coverage in the market. Visit thehartford.com/smallbusiness THE~

HARTFORD

WORKERS' COMPENSATION TAILORED TO YOUR CUSTOMER'S NEEDS Needlestick coverage is just one example of how The

Hartford can tailor coverage to your customer's industry,

business and specific requirements.

The Hartford's been doing it since the beginning. We were

among the first carriers to provide Workers' Compensation

Insurance, issuing our first policy in 1913 just after the first

workers' compensation law was passed. And we've been

listening to customers, working with independent agents

like you and perfecting our policies ever since.

This document contains only a general description of coverages that may be provided and does not include all of the features, exclusions and conditions of the policies it describes. Certain coverages, features and credits may vary by state and may not be available to all insureds. You should consult the actual policy language and speak with the appropriate Hartford representative if you have questions. In the event of a loss, the terms of the policy issued will determine the coverage provided. Coverages are underwritten by Hartford Fire Insurance Company and its property and casualty affiliates, Hartford Plaza, Hartford, CT 06155, CA lic. #5152. All information and representations herein are as of April 2013.

@ April 2013 The Hartford Financial Services Group Inc., Hartford, CT 06155 All Rights Reserved

Offer your customers the best value and coverage in the market. Visit thehartford.com/smallbusiness THE~

HARTFORD