Comprehensive Insurance for Orthotic & Prosthetic Professionals
Chittenden Insurance Group offers a specialized insurance program designed for Orthotic and Prosthetic (O&P) manufacturers and practitioners. This program provides a complete package of coverages tailored to the unique needs of professionals in this niche healthcare and manufacturing sector. With access to a single, trusted carrier — Hartford Insurance Company — we help you place business with confidence and efficiency.
Ideal Accounts and Target Classes
This program is specifically built for businesses that design, manufacture, distribute, or fit orthotic and prosthetic devices. Ideal accounts include:
- Independent O&P practices
- Medical device manufacturers focused on orthotics or prosthetics
- Retailers and wholesalers of O&P products
- Clinics with on-site fitting and fabrication services
You might have a client who operates a multi-location prosthetics lab serving regional hospitals, or a startup manufacturer producing custom orthotic insoles — both would be strong candidates for this program.
Coverage Highlights and Advantages
Our O&P package delivers broad coverage through a single admitted carrier, simplifying placement while meeting the complex risk needs of this class. Key coverages include:
- Property Insurance – Protects buildings, equipment, and inventory
- General Liability – Covers premises and operations exposures
- Professional Liability – Addresses risks related to device fitting and patient care
- Commercial Auto – For owned and non-owned vehicle exposures
- Umbrella Liability – Provides excess coverage across policies
- Workers Compensation – Required coverage for employee safety
A unique property extension endorsement is also available, offering enhanced protection features tailored specifically to the needs of O&P professionals.
Underwriting Guidelines and Premiums
This program is underwritten on a non-admitted basis through Hartford Insurance Company. While underwriting is comprehensive, we seek well-managed risks with a proven track record in the O&P space. Accounts with in-house fabrication, clean loss history, and documented quality controls are preferred.
Please contact us directly for minimum premium thresholds and submission requirements.
Available States
The Orthotic & Prosthetic Manufacturers and Practitioners program is available in the following states:
AL, AZ, AR, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OR, PA, RI, SC, SD, TN, TX, UT, VT, WA, DC, WV, WI, WY.
Why Partner With Chittenden Insurance Group
At Chittenden Insurance Group, we understand the unique exposures faced by O&P professionals. Our program is built on years of experience and specialized underwriting knowledge. Agents and brokers benefit from streamlined submissions, responsive service, and access to a well-rounded coverage solution through a single carrier relationship. Whether your client is a small practitioner or a growing manufacturer, we help you deliver the coverage they need with the expertise you can trust.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Ideal accounts include orthotic and prosthetic manufacturers, practitioners, and clinics with on-site fitting or fabrication services. We also accept wholesalers and distributors of O&P products.
Is the program written on an admitted or non-admitted basis?
This program is written on a non-admitted basis through Hartford Insurance Company.
What coverages are included in the package?
The package includes Property, General Liability, Professional Liability, Auto, Umbrella, and Workers Compensation, along with a custom property extension endorsement for O&P professionals.
Which states is this program available in?
The program is available in most states, including but not limited to NY, TX, CA, FL, IL, and WA. Please refer to the full list above for complete availability.
What underwriting information is required to submit an account?
Submissions should include a completed application, loss runs, details on operations (including fabrication processes), and any relevant safety or quality control procedures.
Need help placing an account? Connect with a market specialist.