Zurich North America – Healthcare and Senior-Care Insurance Partner Supporting Facilities and Providers
Supporting Senior-Care Ecosystems Directly Through Healthcare Solutions and Assisted-Living/Nursing-Home Property Programs
Zurich North America is one of the largest providers of insurance solutions to businesses in the U.S., with a strong specialty in commercial insurance and dedicated offerings for the healthcare industry. Its healthcare insurance solutions offer an integrated approach to help healthcare businesses respond to the full scope of risks, and its E&S property program specifically covers assisted-living facilities, nursing homes, and medical buildings. Zurich also maintains robust claims infrastructure, including medical-provider billing processes and vendor-management support.
Who Is Zurich NA in Healthcare and Senior-Care Risk?
Zurich’s healthcare-industry practice provides tailored solutions for hospitals, physician groups, outpatient facilities, and other healthcare organizations, emphasizing an integrated, enterprise-risk approach. For senior-care, Zurich’s E&S Assisted Living, Nursing Homes and Medical Facilities property program offers coverage for all types of assisted-living facilities, nursing homes, or medical buildings with no restrictions on construction type or age.
The program can provide in-house limits up to 25 million dollars for primary first loss and excess limits, with higher limits available upon referral. Coverages include property and equipment breakdown, named-perils or all-risk options, ACV or RCV valuation, limited critical flood or earthquake, and no coinsurance with proper insurance-to-value ratios. Zurich requires three to five years of property loss history and offers nationwide coverage except in a small number of states, with additional geographic and risk-appetite guidance.
Zurich’s claims capabilities include 24/7 claims reporting, online bill upload, and detailed guidance for medical providers on bill submission, appeals, and refunds, reflecting a mature claims infrastructure.
Why Senior-Care Ecosystems Need Zurich NA
Senior-care ecosystems rely on Zurich when:
- They need specialty property and equipment-breakdown coverage for assisted-living facilities, nursing homes, and medical buildings.
- They want an integrated healthcare-industry approach that considers clinical, operational, and property risks together.
- They value a large, financially strong commercial insurer with sophisticated claims processes.
That makes standardized incident, property-loss, and exposure data—down to building characteristics and occupancy profiles—essential for Zurich’s underwriting and claims handling.
Case Study
A regional senior-care operator owns multiple assisted-living and nursing-home campuses insured under Zurich’s E&S Assisted Living, Nursing Homes and Medical Facilities property program. Zurich and the broker request three to five years of property loss history by location, building details (construction, age, values), and information on fire protection, maintenance programs, and business-continuity plans. Data and documentation are stored in different formats across facilities, slowing submission and renewal.
The operator implements Caring Data to centralize property-loss and exposure information across all locations using Zurich-aligned fields for building attributes, values, occupancy, and loss characteristics. Zurich uses the structured dataset to evaluate risk, calibrate limits and deductibles, and provide risk-engineering recommendations, while the operator gains clearer insight into its property-risk profile and capital-planning priorities.
Testimonials
“Our Zurich underwriter told us the property-loss and exposure reports we created with Caring Data made our assisted-living portfolio much easier to understand.”
“We now see how structured building and loss data support more informed coverage, pricing, and risk-engineering with Zurich.”
Key Contact
Zurich North America
Role: commercial insurer providing healthcare-industry solutions and E&S property coverage for assisted-living, nursing homes, and medical facilities.
Website:
https://www.zurichna.com/
Address (listing):
1299 Zurich Way, Schaumburg, IL 60196
Phone (claims vendor management / contact): 847-413-5018 (Claims Vendor Management Group)
Email (claims): us.claims@zurichna.com; usz.zurich.claims.documents@zurichna.com (documents)
Contact (listing): Keith Daly
Final Thoughts
Senior-care ecosystems benefit when commercial insurers like Zurich combine healthcare expertise with dedicated assisted-living and nursing-home property programs and strong claims infrastructure. Caring Data enhances these relationships by delivering standardized property-loss and exposure information that supports accurate underwriting and targeted risk-engineering.
Markel – Specialty & Health/Social-Care Risks – United States