Healthcare insurance solutions

Healthcare business structures are shifting as the industry as a whole evolves due to recent reform and innovations in technology. Leverage growth opportunities with flexible coverage that helps protect your organization from emerging risks. Zurich offers a broad range of insurance products designed to interact and create dynamic solutions for your healthcare enterprise.

Why Zurich?      

Zurich has achieved one of the industry-leading expertise through our strategic collaborations with service providers across numerous product lines. These practices ensure Zurich’s industry knowledge is current and comprehensive. Zurich’s claim services take your reputational interests into account, as they are of primary concern in healthcare professional liability. 

hospital room

Healthcare insurance solutions


Zurich’s proprietary property forms offer healthcare-specific coverages to help protect your organization in the event of unforeseeable property damage, natural disaster or flood. With fewer exclusions and endorsements, our policies include:

  • Business interruption
  • Mobile medical
  • Patient’s property
  • Emergency generator
  • Communicable disease suspension of operations
  • Patient evacuation

We can also help you proactively manage potential property losses, reduce your total cost of risk and improve business resilience. We offer an impressive array of services designed to help mitigate challenging property risks, such as:

  • Proprietary “A Cure for Water Damage” program to help identify latent water damage exposures before they become costly and disruptive losses
  • Fire protection system impairment handling
  • Property valuation analysis and business interruption consultations
  • Infrared scans on critical equipment
  • Review of equipment maintenance procedures

Healthcare professional liability/general liability

Our broad coverage forms include abusive acts coverage, crisis management, subpoena response assistance, Good Samaritan acts and more. Coverage is available as primary, excess and umbrella, as well as captive reinsurance. Zurich is the only healthcare professional liability insurance provider endorsed by the University of Health System Consortium.

We also can help reduce risks through a variety of services designed to help improve quality of care and reduce loss costs..

Professional/general Liability


Management liability

  • Suite of products including directors and officers liability, employment practices liability, fiduciary, crime, and kidnap and ransom
  • Capacity up to $25 million
  • Value-added services available to qualified customers including HR Care®,, Jackson Lewis (hotline services)*

*These services are provided by the third party vendors. Zurich expressly disclaims any and all damages and other costs that may arise related to the use of or reliance upon the products, services, representations or warranties made by or on behalf of the vendors.

Workers' compensation

Zurich offers a broad range of modular products and solutions, including program structures that address loss-sensitive deductibles, Retros, Captives, Excess of SIR, as well as selective availability for guaranteed cost.

Our dedicated workers’ compensation claim specialists know the jurisdictional issues and utilize Zurich’s resources to help get employees back to work quickly and safely, including:

  • In-house managed care services
  • Proven absence management and return-to-work programs
  • Litigation management, special investigations and recovery services

We also offer an array of risk management education tools and programs on key causes of loss, such as our benchmark claims studies, patient handling; slips, trips and falls; and workplace violence. In addition, our loss leader identification tool, RECAT, helps prioritize risk engineering services to address and mitigate your most costly losses.  

Auto liability and physical damage

As the fifth largest commercial auto insurer in the United States*, Zurich offers auto liability and physical damage coverage for healthcare fleets including mobile medical clinics, patient and resident transport, and ambulances.

With our structured, yet flexible, commercial auto solutions, you don’t have to anticipate every possible risk. Our proprietary Coverage Extension Endorsement features 20 automatic extensions ‒ including the ones most requested by customers ‒ on a single form to alleviate concerns about forgotten or unanticipated exposures.

Zurich’s dedicated risk engineering specialists also offer a variety of loss control tools to keep your drivers safe. These include:

  • Virtual Risk Manager (VRM) Fleet: An online tool to help manage fleet exposures through driver risk assessments, Motor Vehicle Record (MVR) reviews and target training
  • Zurich Fleet Intelligence: On-board telematics technology to monitor driver behavior and turn data into insights to help improve safety and reduce operating costs
  • Prostyle Driving Series: The 10-4 Defense: A multimedia, driver training program to help establish a safety culture for your fleet
  • Driving to Success: Zurich’s handbook of general rules and policies, minimum driver eligibility criteria, MVR evaluation points system, accident scene procedures and more.

*Data as of 12/31/2014.


With a global network of underwriting, risk engineering and claims professionals, delivering services in more than 180 countries and territories, Zurich has the reach and strength to help protect your healthcare system from risks around the world by reducing coverage gaps and overlaps. 

Security and privacy

Zurich offers a broad policy that can  cover the breach of personal identifiable healthcare information, including health and medical records, covering notification costs, credit monitoring and public relations costs and forensic investigation costs.

Our customized enhancement designed specifically for the healthcare industry include healthcare remediation services, including call centers and identification restoration services, as well as coverage for regulatory fines and penalties.

Environmental pollution

Zurich helps the healthcare industry to navigate the ever-changing world of environmental risk, including coverages specific to healthcare facility risks like mold, Legionella, MRSE, on and off site bodily injury, property damage and cleanup, and risks with blanket non-owned disposal sites, transportation and underground storage tanks. We provide your facility with easy-to-understand, cost-effective environmental insurance solutions.

Knowledge Hub resources

October 16, 2017

2017 Benchmark Study of Healthcare Professional Liability Claims

Valuable risk insights about healthcare industry trends in claim frequency, severity and average loss costs.

June 1, 2015 | White paper

Slip, trip and fall assessment guide

Zurich’s slip, trip and fall assessment guide can help you evaluate and assess potential risks in your facility. Zurich has identified ten...

February 11, 2016 | Video

Fire sprinkler systems: Reduce the risk of unexpected water damage

Help minimize unexpected water damage from your fire sprinkler system. Water damage is a significant source of property claims for...

August 1, 2017 | Report

Benchmark Study of Healthcare Workers’ Compensation Claims

A study on hospital workers’ profile, the impact of claim trends, the types of accidents causing claims and the agents of loss.