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Healthcare and Higher Education

Coverage for the healthcare and higher education industry. We have a wide range of coverages for such healthcare risks as hospitals, nursing homes, senior living facilities, and rehabilitation facilities. Through our higher education coverages we aim to cover the number of property risks associated with operating a college or university.

Features and Benefits Back To Top
  • Up to $1.5 billion in available limits, including up to $50 million in critical earthquake, flood, and wind coverage is available
  • All risk policies can include Boiler & Machinery coverage and services
  • Loss Control Engineering Resources available
  • All Risk Policies tailored to suit the needs of Healthcare & Higher Education Institutions
  • Upgrade to Green Coverage available
  • Client Advisory Boards in place to help us tailor insurance coverage to the needs of insureds
 
Claims Back To Top

When a customer experiences a property loss, nothing is more important than responding to the claim and restoring business to normal operation as quickly as possible. With extensive commercial property claims experience derived from managing some of the biggest and most complex property claims in history, and a vast network of resources that stand ready to respond, Lexington Insurance Company is well equipped to do just that.

Our access to national general adjusters and property and auto/heavy equipment reinspectors located around the country help ensure policyholders receive proper loss assessment and quality control. And dedicated catastrophe teams, comprehensive claims investigators and safety/loss control engineers help policyholders effectively mitigate their losses and minimize loss costs.

Fax: (866) 612-8014

Mail: Lexington Insurance Co.
100 Summer Street
Boston, MA 02110

Pandemic Rx® Back To Top

Pandemic Rx® reimburses for business income loss sustained and extra expenses incurred by acute care medical facilities during an influenza pandemic event. Pandemic Rx® is available as an endorsement to Lexington's property policy and is triggered by the declaration of a public health official within the geographic service area of an insured health care facility.

Features and Benefits

- Targeted acute care medical facilities include for profit hospitals and not for profit hospitals in both urban and suburban areas

- Targeted acute care medical facilities include teaching hospitals that are affiliated with medical schools

- Limits of up to $25 million available

- Coverage is subject to an insured's quota-share provision

- Coverage for up to six months of business income loss during the pandemic period resulting from increased expenses, reduced patient care reimbursement due to restrictions on non-urgent hospital based services or changes in case mix, or reduced ancillary revenues such as concessions or parking

- Coverage for up to $100,000 for crisis management expenses resulting from either a public relations campaign during the pandemic period to keep the community informed of available healthcare services or to facilitate recovery from the lingering economic damage an insured may experience due to the social stigma of having served as an isolation or quarantine center

- Cost recovery services of a third party consultant with expertise in Federal Emergency management Agency (FEMA) reimbursement

Upgrade to Green Back To Top

Upgrade to Green coverage is available as an endorsement to Lexington commercial property policies and is applicable to portfolio or single building policies. Real estate, financial services, and hospitality firms, educational institutions, and public entities in a particular will find Upgrade to Green valuable coverage as they seek to green their property portfolios.

Features and Benefits

- Within the policy per occurrence limit of liability, and subject to a maximum sub-limit of liability of $5,000,000 the coverage increases by 25% the limit applicable to a building listed in the schedule of values if the insured elects to upgrade the property

- Coverage is applicable to Leadership in Energy and Environmental Design (LEED®) certified and non-LEED certified buildings

- Enhanced coverage for recycling debris after loss and during reconstruction

- Coverage to hire a LEED accredited architect or engineer to help with the design and reconstruction

- Coverage for LEED re certification expenses