Healthcare specialty insurance
Healthcare facilities
When a property doesn’t fit in the standard market, we can cover it.
Built pre-2000. Frame or JM exterior. Non-sprinklered. Or other risks that may be hard to place.
Enhancements we include
We don’t only have a broader risk appetite.
Enhanced coverage included on every policy!
We’ll help you manage property risk efficiently to prevent loss and reduce claims.
But when things happen, AIU will be there to provide superior coverage.
- $500 million blanket limit
Per occurrence - No co-insurance
- $10 million Flood sublimit
in Non-critical Flood Zones - $25 million Earthquake sublimit
- Sprinkler leakage (EQSL)
- Sewer & drain backup
- Violent attack property
- Ordinance or Law
- Optional equipment breakdown
- Optional terrorism coverage
- Resident Relocation Expense included
*Minimum TIV $3M
Risks we write
Healthcare facilities
Assisted Living
Skilled Care facilities
Rehab centers
*Minimum TIV $3M
- Eligible
- Eligible in certain areas, check with underwriting
- Ineligible
Deals we’ve won
Featured hospitality policies recently written
30 million TIV in Ohio
Line of text
Multi-family units
9 locations.
Built in 1970, frame exterior
Blanket limit:
$500,000,000
Bonus coverage:
Flood, earthquake, sewage backup and more
Monthly premium: $5763
30 million TIV in Ohio
Line of text
Multi-family units
9 locations.
Built in 1970, frame exterior
Blanket limit:
$500,000,000
Bonus coverage:
Flood, earthquake, sewage backup and more
Monthly premium: $5763
30 million TIV in Ohio
Line of text
Multi-family units
9 locations.
Built in 1970, frame exterior
Blanket limit:
$500,000,000
Bonus coverage:
Flood, earthquake, sewage backup and more
Monthly premium: $5763
How we compare
AIU vs. standard healthcare policies
Coverage Highlights:
Property Coverage
AIU Coverage:
Standard Coverage:
| Property | Blanket coverage, full replacement cost | Actual Cash Value or Replacement Cost up to specified limit depending on form |
| Coinsurance Requirement | No coinsurance | 80%, 90%, or 100% depending on form |
| Extended Period of Indemnity | 180 Days | 30 Days |
| Flood/Earthquake coverage | Included in most areas | Excluded |
| Fire Fighting Materials or Expenses | $100,000 | $1,000 |
| Off Premises Services Interruption | $100,000 | Excluded |
| Water Damage (Back Up of Sewers or Drains) | $100,000 | Excluded |
| Ordinance or law coverage | Rich coverage limits for A, B, and C are included | Limited Coverage |
Will we insure your risk?
In under 5 minutes, you’ll get an answer and an indication
