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E&S assisted living, nursing homes and medical facilities


This Zurich program provides coverage for all types of assisted living facilities, nursing homes and medical buildings with no restrictions on construction or age. Coverage limits up to $25 million. Higher limits may be available depending on risk characteristics.


  • All types of assisted living
  • Nursing home
  • Medical buildings
  • No restrictions on construction, age, or losses
  • Limited critical flood or earthquake

Ineligible risks:

  • Windstorm coverage in Tier 1 or 2 counties


  • Nationwide

Submission requirements:

  • Forms for submission provided upon request for contact from the Program Administrator
  • Three to five years of property loss history required

Coverages offered:

  • Property and equipment breakdown
  • Named perils to all risk
  • ACV and RCV valuation
  • No coinsurance with proper insurance to value ratio

Coverage limits:

"In house" limits up to $25 million for primary first loss and excess limits with more available upon referral.

Admitted or non-admitted paper:

  • Non-admitted

Additional program highlights:

  • There is no TIV restriction
  • The Program Administrator also offers an enhancement endorsement that provides additional coverage for ordinance and law, valuable papers, accounts receivable
  • money and a host of other extensions to the policy.