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
  • exceptional 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.
  • a management team specifically dedicated to keeping your insurance on the leading edge

Contact an Agent
Cincinnati Insurance serves you exclusively through a select group of independent agencies that perform as premier insurance organizations in their local communities. To obtain a quote, report a claim or learn more about the value of Cincinnati's insurance policies and reliable claims service, please find your local agency representing Cincinnati Insurance today. Coverage availability and premium discounts vary by state. Underwriting requirements apply. This is not a policy.

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