Zurich NA – Specialty Property Carrier for Assisted-Living, Nursing Homes, and Medical Facilities (Limited Appetite in Oklahoma)
Understanding Zurich NA’s Assisted-Living and Nursing-Home Property Program’s Oklahoma Limitation
Zurich North America offers an E&S Assisted Living, Nursing Homes and Medical Facilities property program that provides coverage for all types of assisted-living facilities, nursing homes, and medical buildings, with “in-house” limits up to 25 million dollars and higher limits available on referral. However, this program’s appetite specifically excludes Oklahoma (along with Florida, Kansas, and Texas), meaning Zurich’s E&S property solution is not generally available for assisted-living and nursing facilities located in Oklahoma.
Who is Zurich NA in Assisted-Living Property, and What It Means for Oklahoma?
Zurich’s E&S Assisted Living, Nursing Homes and Medical Facilities program is designed for medical-facility property risks, with no restrictions on construction type or building age and significant property capacity available for eligible risks. The program operates nationwide with appetite exceptions, explicitly excluding Florida, Kansas, Oklahoma, and Texas at the time of the cited material. Zurich also provides broader healthcare primary policies that combine professional liability, general liability, and crisis-management coverages for medical facilities.
For most assisted-living and nursing-home property risks physically located in Oklahoma, Zurich’s E&S property program will not be an option, and agents must look to other carriers for facility property coverage. Zurich’s healthcare-liability products may still support non-Oklahoma facilities owned by multi-state systems that also operate in Oklahoma, but the E&S property program itself is explicitly out of appetite for Oklahoma risks.
Why Oklahoma Senior-Care Ecosystems Need to Note Zurich’s Limitation
Oklahoma senior-care ecosystems interact with Zurich NA mainly in two ways:
- Multi-state senior-care organizations may use Zurich’s assisted-living and nursing-home property program for facilities outside Oklahoma but must use other carriers for Oklahoma properties due to appetite exclusions.
- Zurich’s healthcare primary policies and life-sciences or other healthcare products may indirectly influence markets and benchmarking used by carriers that cover Oklahoma senior-care risks.
For Oklahoma-based facility owners, understanding this appetite limitation helps avoid pursuing Zurich’s E&S property program for in-state locations and encourages focusing on other property-market options, while still being aware of Zurich’s role in the national senior-care property landscape.
Case Example (Oklahoma Focus)
A senior-living company owns assisted-living communities in multiple states, including Oklahoma and Colorado. The broker investigates Zurich’s E&S Assisted Living, Nursing Homes and Medical Facilities program for property coverage. Zurich is willing to consider Colorado and other eligible states but notes its appetite specifically excludes Oklahoma facilities.
The company uses Caring Data to compile structured property-incident data (fire, water damage, windstorm losses) and shares de-identified aggregates by state with Zurich and other markets. Zurich offers property terms for non-Oklahoma facilities, while another carrier insures Oklahoma properties. The structured data nonetheless helps the operator demonstrate risk-management quality across the entire portfolio, including Oklahoma, even though Zurich’s program does not directly cover those locations.
Testimonials
“Our Zurich NA underwriters told us clearly that their assisted-living and nursing-home property program was not available for our Oklahoma facilities, but they used our Caring Data reports to underwrite our non-Oklahoma locations.”
“With standardized incident and claims data, we’ve been able to present a consistent risk story across our portfolio, even when different carriers handle Oklahoma versus other states.”
Key Contact
Zurich North America
Role: specialty property and healthcare insurer providing an E&S Assisted Living, Nursing Homes and Medical Facilities property program that excludes Oklahoma, plus broader healthcare primary offerings.
Website:
https://www.zurichna.com/
Program page: E&S Assisted Living, Nursing Homes and Medical Facilities property
Address (listing):
1299 Zurich Way, Schaumburg, IL 60196
Phone (listing): 847-413-5018 – Claims Vendor Management Group
Email (listing): us.claims@zurichna.com
Contact (listing): Keith Daly
Final Thoughts
Oklahoma senior-care ecosystems benefit from understanding that Zurich’s E&S assisted-living/nursing-home property program is a significant national player but specifically excludes Oklahoma property risks, requiring alternative carriers for in-state facilities. Caring Data still helps multi-state operators present consistent incident and claims information when working with Zurich for non-Oklahoma properties and with other carriers for Oklahoma locations.