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.

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Business owners: Contact your insurance agent or broker

Insurance agents

Call a specialist now 847-762-7151

Appetite

  • All types of assisted living
  • Nursing home
  • Medical buildings

Geography

  • Nationwide except Florida, Kansas, Oklahoma and Texas

Ineligible risks

  • Windstorm coverage in Tier 1 or Tier 2 counties

Coverages offered

  • Property and Equipment Breakdown
  • Named Perils to All-Risk
  • ACV and RCV valuation
  • No coinsurance with proper insurance to value ratio
  • Limited critical Flood or Earthquake

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

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

  • Non-admitted

  • 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

FAQs

The E&S Assisted Living, Nursing Homes and Medical Facilities program from Zurich provides Excess & Surplus insurance solutions for healthcare related facilities with complex or higher risk exposures. The program is designed for organizations that may not fit standard market guidelines due to operations, loss history, or regulatory considerations.

Zurich E&S coverage may be available for facilities such as:

  • Assisted living facilities
  • Nursing homes and skilled nursing facilities
  • Medical facilities and healthcare centers
  • Long term care and residential care facilities

Eligibility is evaluated based on facility type, services provided, and risk profile.

Facilities may require E&S insurance when they present unique, emerging, or higher severity risks that fall outside standard underwriting guidelines. Zurich E&S solutions provide flexibility in coverage structure to address complex healthcare exposures.

Depending on underwriting approval, Zurich E&S programs may include:

  • Property insurance
  • General liability
  • Excess or umbrella liability
  • Professional or healthcare related liability (when applicable)

Coverage is customized based on the facility’s operations and risk characteristics.
 

Yes. Zurich E&S insurance solutions are designed to address resident and patient related exposures, including premises liability and operational risks associated with providing care subject to policy terms and underwriting.

Zurich supports healthcare facilities with underwriting expertise, claims management, and access to risk engineering insights, helping organizations improve safety, reduce losses, and manage regulatory and operational risk.

Yes. Zurich E&S Assisted Living, Nursing Homes and Medical Facilities programs are available nationwide, subject to E&S eligibility, underwriting guidelines, and state regulations.

Yes. Zurich works closely with insurance agents and brokers experienced in E&S and healthcare risks to design coverage aligned with facility operations, compliance needs, and risk tolerance.

To obtain Zurich E&S coverage, businesses can request contact through ZProgramsMatch.

Zurich E&S insurance solutions may be a good fit for facilities that:

  • Have complex or higher risk exposures
  • Operate in regulated healthcare environments
  • Need flexible, non standard coverage structures
  • Are seeking alternatives to the standard insurance market

Zurich helps healthcare organizations find coverage solutions aligned with their risk profile.

Healthcare organizations choose Zurich because of:

  • Experience supporting complex healthcare and residential care risks
  • E&S underwriting flexibility
  • Strong claims and risk management support
  • Long term financial strength and stability

Zurich helps assisted living, nursing home and medical facilities manage risk with confidence.