Property and Casualty Insurance Plans

The Property and Casualty Insurance Plans offered through Aon Affinity Healthcare and underwritten by Zurich American Insurance Co. 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:

Zurich Insurance Group



For personal assistance:

800-865-7307 ext. 8553(phone)
847-953-0925 (fax)

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