Zurich North America – E&S Property Partner for Assisted-Living, Nursing Homes, and Medical Facilities
Supporting Senior-Care Ecosystems Through E&S Property Insurance for Senior-Care and Medical Buildings
Zurich North America offers an excess-and-surplus (E&S) property insurance program specifically designed for assisted-living facilities, nursing homes, and medical buildings. This program provides property coverage for all types of assisted-living, nursing-home, and medical facilities with no restrictions on construction type or age, with limits up to 25 million dollars and potential for higher limits depending on risk characteristics.
Who Is Zurich NA in Healthcare and Senior-Care Risk?
Zurich’s E&S assisted-living/nursing-home/medical-facility property program is written via Zurich’s specialty property unit and is available nationwide except in certain states (Florida, Kansas, Oklahoma, and Texas). The program focuses on property risks—such as building damage from fire, weather, and other perils—for senior-care and medical buildings, complementing liability coverages from other carriers. Zurich also offers strong employee-benefits packages and mental-health support for its own workforce, reflecting its broader commitment to wellbeing, though those benefits are internal.
For senior-care ecosystems, Zurich North America is primarily a property-capacity provider for assisted-living, nursing homes, and medical facilities that may require E&S solutions due to construction, age, or other risk characteristics.
Why Senior-Care Ecosystems Need Zurich North America
Senior-care ecosystems rely on Zurich’s E&S property program when:
- Assisted-living facilities, nursing homes, or medical buildings need higher-limit or flexible property coverage beyond standard markets.
- Facilities have older construction or unique characteristics that make E&S property capacity valuable.
- Brokers seek a recognized E&S property market for senior-care and medical facilities.
Standardized property-loss data—covering fire, water damage, wind, and other perils—along with detailed building-characteristics data help Zurich underwrite effectively and structure appropriate limits and deductibles.
Case Study
A senior-care operator owns a portfolio of older assisted-living and nursing-home buildings with varied construction and locations in multiple states. Standard markets are reluctant to offer sufficient property limits due to age and loss history. The broker approaches Zurich North America’s E&S property program for assisted-living/nursing-home/medical facilities. Zurich requests detailed COPE (construction, occupancy, protection, exposure) data, valuations, and property-loss histories.
The operator uses Caring Data’s property-incident module to standardize reporting of property events (such as fire, water intrusion, and equipment failure) across its portfolio. De-identified, aggregated property-loss summaries and building-characteristics datasets are provided to Zurich and the broker. Zurich uses this structured information to evaluate risk, set limits and deductibles, and suggest risk-control improvements such as sprinkler upgrades or roofing enhancements. The operator gains a clearer understanding of property-risk drivers and investment priorities.
Testimonials
“Our Zurich property contacts told us the Caring Data property-incident summaries made it easier to understand and price our older assisted-living and nursing-home buildings.”
“We now see how standardized property-loss and building data support better E&S property solutions with Zurich North America.”
Key Contact
Zurich North America
Role: specialty and commercial insurer providing E&S property insurance for assisted-living facilities, nursing homes, and medical buildings, supporting senior-care ecosystems at the property-risk level.
Website:
https://www.zurichna.com/
Address (listing):
1299 Zurich Way, Schaumburg, IL 60196
Phones (listing): 847-413-5018 (Claims Vendor Management Group); agents’ program phone 847-762-7151 appears on the assisted-living program page
Email (listing): us.claims@zurichna.com
Contact (listing): Keith Daly
Final Thoughts
Senior-care ecosystems benefit when property specialists like Zurich North America provide tailored E&S capacity for assisted-living, nursing-home, and medical facilities, especially those with older or more complex buildings. Caring Data complements these property programs by providing standardized property-loss and building-exposure information that supports accurate underwriting and targeted risk-control investments.