Zurich North America – Property and Liability Partner Supporting Assisted-Living, Nursing-Home, and Medical Facilities
Supporting Senior-Care Ecosystems Directly Through E&S Property Programs for Senior-Care and Medical Facilities
Zurich North America is a leading commercial insurer offering property, casualty, and specialty programs, including dedicated E&S property programs for assisted-living, nursing-home, and medical facilities. Its E&S Assisted Living, Nursing Homes and Medical Facilities program provides property and equipment-breakdown coverage for all types of assisted-living facilities, nursing homes, and medical buildings, with no restrictions on construction or age and limits up to 25 million dollars per location. This gives agents and senior-care owners access to capacity for hard-to-place property risks that are critical to senior-care operations.
Who Is Zurich North America in Senior-Care Risk?
Zurich’s E&S Assisted Living and Nursing Home program is designed for senior-care and medical facilities across the U.S. (with certain state exceptions), offering coverages such as property and equipment breakdown on named-perils or all-risk bases, ACV or RCV valuation, limited critical flood or earthquake, and no coinsurance with proper insurance-to-value ratios. Appetite details note that coverage is available nationwide except Florida, Kansas, Oklahoma, and Texas, and that three to five years of property loss history is generally required.
Zurich’s broader property-programs portfolio focuses on hard-to-place risks, including facilities with older construction, large TIVs, or challenging occupancies. For senior-care ecosystems, this property capacity underpins the physical resilience of buildings where seniors live and receive care, complementing liability coverage from other carriers.
Why Senior-Care Ecosystems Need Zurich NA
Senior-care ecosystems rely on Zurich when:
- Assisted-living and nursing-home facilities need E&S property and equipment-breakdown coverage.
- Buildings have challenging characteristics, such as older construction or high TIVs.
- Agents need a property market tailored to senior-care and medical facilities.
That makes standardized property-loss, inspection, and valuation data vital for Zurich’s underwriting and program management.
Case Study
A regional senior-care owner with multiple assisted-living and nursing-home facilities places E&S property coverage with Zurich’s Assisted Living, Nursing Homes and Medical Facilities program. Zurich and the agent request three to five years of loss history by location, detailed information about building construction and protection, and TIVs broken out by building, contents, and business-income values. Loss information is inconsistent across facilities, making it hard for Zurich to assess trends or validate insurance-to-value.
The owner implements Caring Data to standardize property-loss reporting across locations, capturing cause, affected systems, repairs, and downtime, along with updated valuation fields. Zurich uses the structured data to refine limits, deductibles, and risk-control recommendations, while the owner gains better insight into building vulnerabilities and capital-planning priorities.
Testimonials
“Our Zurich E&S property contact told us the consolidated Caring Data loss reports made underwriting our assisted-living and nursing-home portfolio much more efficient.”
“We now see how standardized property-loss and valuation data support stronger facility resilience and program stability.”
Key Contact
Zurich North America – E&S Assisted Living, Nursing Homes and Medical Facilities
Role: commercial insurer providing E&S property and equipment-breakdown coverage for assisted-living, nursing-home, and medical facilities nationwide.
Website:
https://www.zurichna.com/
Address (listing):
1299 Zurich Way, Schaumburg, IL 60196
Phone (Claims Vendor Management Group / program contact): 847-413-5018
Email (claims / general): us.claims@zurichna.com
Contact (listing): Keith Daly
Final Thoughts
Senior-care ecosystems benefit when carriers like Zurich provide E&S property programs tailored to assisted-living and nursing-home facilities, helping protect the physical infrastructure of care. Caring Data strengthens these efforts by delivering structured property-loss and valuation information that supports accurate underwriting and targeted risk-control.
Markel – Care & Community-Based Services – United States