Healthcare All Risk Property Form
Even a small loss can adversely impact the business of healthcare. The ability to provide quality patient care, maintain patient records, and continue state-of-the-art research and development projects is all at risk when a loss occurs. Interruption to such activities can also potentially negatively impact accreditations, funding and regulatory compliance, all of which are critical to healthcare organizations.

Whether a hospital, doctor's office or anything in between, Affiliated FM's proVision Healthcare All-Risk policy is designed specifically to offer the insurance protection and property loss prevention engineering expertise clients need to keep their doors open, beds filled and revenue streams flowing.

Property Protection
Using the Affiliated FM proVision policy as its platform, our healthcare form features the same easy-to-navigate, easy-to-read format with flexible coverage limits tailored to meet the needs of the healthcare client.

Like the proVision, the Affiliated FM healthcare form contains similar market leading coverage including embedded coverage for: earthquake and flood; boiler and machinery; electronic data processing (EDP)/media; computer virus; demolition and increased cost of construction (DICC); unplanned capital expenditures; fungus, mold and mildew.

The healthcare policy also provides clients with the following:

• Change in temperature
• Interruption by communicable disease
• Decontamination costs
• Functional replacement costs for medical and diagnostic and EDP equipment
• Mobile medical and mobile diagnostic equipment floater
• Off-premises service interruption property damage
• Patients' personal property
• Prizes and giveaways
• Research and development (R&D) projects, experiments and animals
• Soft costs
• Tenant legal liability and expense
• Defense costs for property of others

	Related Links
	Healthcare All Risk Form (PROHC3100)
	Slip Sheet
	Healthcare Gross Profits (PROGPEEHC)
	Healthcare Gross Earnings (PROGEEEHC)

Business Interruption Extensions
The flexible business interruption (BI) coverage offered in the Affiliated FM healthcare form is designed specifically to protect healthcare clients before, during and after a loss occurs.

• Emergency vacating expense
• Patient and tenant relocation expense
• Professional employee replacement expense
• Research and development (R&D) expense
• Fund raising expense
• Contractual penalties
• Off premises service interruption

An Ounce of Prevention
Through a combination of pre-survey and on-site services, we work with clients to develop practical and cost-effective solutions to reduce risk, including those that may affect certification or accreditation. We also provide extensive project management services to assist clients in managing risk for construction and expansion projects. This second set of eyes working to understand and reduce property risk allows our healthcare clients to focus on what matters most-their patients, residents and clients.

Affiliated FM also offers free online client training. Our Healthcare Hazard Checkup course, scheduled for release in early 2009, is specifically designed for healthcare clients to understand and help mitigate the common hazards associated with their facilities.

To learn more about our online training, visit www.affiliatedfm.com/training.

Also Available
The following endorsements can be added to create a broad and comprehensive property insurance program.

BI Select™
Projecting the exact impact of a business interruption loss can be hard to quantify before the loss has actually occurred. With Affiliated FM's BI Select™ Endorsement, healthcare clients choose the coverage approach that best responds to their unique needs and can select between gross earnings and gross profits at the time of settlement-after all the details of the loss are known.

Green Endorsement
Affiliated FM's Green Coverage Endorsement provides additional coverage for healthcare clients who practice or would like to implement sustainable or certified "green" building practices.