Property and Casualty Insurance Plans

The Property and Casualty Insurance Plans offered through Aon Affinity Healthcare and underwritten by Arch Insurance Company provide LeadingAge members with coverage tailored to not-for-profit senior living communities unique exposures.

Having worked with LeadingAge for more than 30 years, Aon has developed a deep understanding of their membership, which ensures your insurance program remains responsive to the ever changing senior living environment.

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Building & Personal Property

  • NEW Property of Patients**
  • NEW Patients' Money & Securities on Described Premises**
  • NEW Spoilage (food, medicines, fluids)**
  • NEW Food Contamination & Communicable Disease**
  • NEW Emergency Vacating Expense**
  • NEW Landslide, Mine Subsidence, Earth Sinking**
  • NEW increased limits for Ordinance or Law, Utilities Services and Backup of Sewers & Drains now available**
  • Broad Real and Personal Property protection (available on a blanket basis)
  • Business Income/Extra Expense
  • Equipment Breakdown
  • Computer Equipment

** Available in all states except Florida

Commercial General Liability

  • NEW Abusive Act Liability
  • NEW Crisis Management Coverage
  • NEW E-Discovery Regulatory Investigation Expenses
  • NEW Volunteer Worker Medical Payments Coverage
  • Claims made and occurrence forms available
  • Includes employees, volunteers and students as Additional Insureds

Professional Liability

  • NEW Coverage for employed physicians providing direct patient care available*
  • NEW Healthcare liability expense reimbursement coverage for HIPAA and disciplinary proceedings
  • NEW Increased limits available for abusive acts alleged participant defense expense coverage
  • NEW Reduced professional liability rates in Alabama, Arkansas, Florida and Mississippi
  • NEW Blanket additional insured
  • NEW Administrative Proceeding Expense Reimbursement
  • NEW Clinical Trials, Counseling Service, Social Service, Beautician and Barber Services included
  • Claims-made form
  • Excludes physicians, surgeons and dentists

*Subject to eligibility

Workers' Compensation

  • Standard market available in AL, GA, MD, NC, PA, SC, TN, VA
  • Debit mod program available in AR, AZ, CO, GA, IN, IA, KS, KY, MD, MI, MN, MO, MS, NE, NC, PA, RI, SC, TN, TX, UT, VA ($100,000 minimum premium)

Commercial Automobile

  • Physical damage, liability and state-required medical coverage

Inland Marine

  • Protection for mobile medical equipment, including breakage coverage


  • NEW Investigating Expense coverage added to crime policy** (applies to all seven crime coverages such as Employee Theft, Money/Securities & Computer Fraud) 
  • Coverage for employee dishonesty, money & securities, wire transfer fraud

**Not available in all states

Follow Excess Form

  • Up to $10 million in additional liability coverage for catastrophic events

Employee Benefits Liability

  • Liability (ERISA) protection for employee benefit plan administrators

Underwritten by:

Arch Insurance Company



For personal assistance:

215-773-4636 (phone)
847-953-0925 (fax)

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