Protection for Medical Facilities

Cincinnati’s Medical Facility Program provides property-focused insurance protection for institutions that perform medical and surgical services, including smaller regional and community hospitals, diagnostic and surgical centers and outpatient facilities. With professional advice from your independent agent representing Cincinnati, you can focus on caring for your patients while we focus on your insurance needs.

Expand Your Property Insurance

The Medical Facility Program begins with our standard property coverage form. You can further customize your property coverage with these available options specifically for medical facilities:

Medical Facility Commercial Property Endorsement – adds coverage for:

• mandated decontamination of your property
• radioactive contamination caused by sudden and accidental release
• pollutant clean up and removal on your premises
• emergency patient evacuation expenses
• accounts receivable
• personal property of employees, excluding employee tools
• worldwide laptop coverage
• spoilage of perishable stock due to temperature change

Business Income Coverage – provides:

• ingress and egress coverage when you do not have access to your property due to a covered cause of loss at an adjacent property
• dependent property coverage when your operations rely on the services of another

Certified Green Loss Payment Endorsement – supports efforts to reduce your carbon footprint. After a covered loss it helps you to re-certify your green building when it's insured to replacement cost. The endorsement pays the associated expenses for:

• hiring of accredited professionals
• registering and certifying the property
• disposing of debris in a manner that is consistent with green authority
• ventilating the repaired or replaced property in specified green authority manner

Equipment Breakdown Coverage – protects your business from loss of income caused by an accidental loss to a vital piece of medical or diagnostic equipment

Options to Suit Your Needs

Round out your insurance program with these options:

• Crime coverage – protects you from loss of money, securities and other property stolen by an employee.
• Business automobile insurance – insures nonemergency vehicles for qualified organizations.
• Blue Chip Policy – provides executive risk insurance for directors, officers, trustees and health care organizations. You can conveniently add to your policy coverage for employment practices, Internet and trustee and fiduciary liability.
• Premises liability coverage - available for most medical offices, clinics, non-invasive surgical centers and magnetic resonance imaging facilities

Cincinnati Advantage

Work confidently, knowing you are protected by a superior insurance program that provides:

• available loss control services
• superior claims service from a representative who lives in or near your community in most instances
• multi-year policy terms for many coverages in most states
• stability from a company with a high financial strength rating from A.M. Best Co.
• more than 90% of our policyholders are highly satisfied with the overall claims process, based on almost 27,000 standard lines auto and property policyholders responding via electronic claim satisfaction survey between January 1, 2020, and December 31, 2022, with an 8, 9 or 10 on a 10-point scale 
• a management team specifically dedicated to keeping your insurance on the leading edge