When considering a service provider, whether it be a lawyer, accountant, or technology consultant, you need a partner with the necessary expertise to deliver value to your business. AFM is the choice for your property insurance—our business is property insurance and only property insurance. That single focus offers health care institutions access to an insurance market that is:

Find out why long-term partnerships matter.

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Capable of offering creative underwriting and engineering solutions

AFM underwriters and engineers are willing to look past the obvious, helping health care clients achieve their goals in innovative, yet practical ways.

When health care clients partner with AFM, they are teamed with a production underwriter and account engineer who are solely focused on developing underwriting and property loss prevention solutions. Real-world experience and many hours of classroom training prepare them to help health care clients develop creative, practical solutions.

See how one prospective client and their broker leveraged AFM expertise to improve their risk profile and protect their business from loss.

A broker partner explained that the key location of one of his health care clients was partially located in a flood zone, making it difficult for the broker to secure adequate flood coverage for the client. The underwriter and account engineer reviewed the file and decided that there might be some creative approaches to the problem.

The account engineer determined during an initial visit that the hospital was exposed to flood but that flood waters would only affect the basement level of the hospital, which housed important equipment like electrical equipment, fire pump and other building mechanicals. Unfortunately, a flood could result in a loss of power to the rest of the hospital.

After further study and analysis, the client and AFM engineering developed a solution that included the installation of curbing and flood doors to protect the mechanicals so important to keeping the hospital in service. On the advice of the AFM engineering team, the client agreed to make the necessary improvements, and AFM was able to provide the flood coverage they needed.

This is just one example of how AFM works with clients and brokers to develop long-term partnerships.


Driven to be the best

We work hard to bring value to our clients. To see how we are performing, we asked a third-party consulting firm to talk to our broker partners.

As a monoline property insurer, we must be the best at what we do or risk becoming irrelevant. We recently conducted a survey of some of our broker partners to see how we are doing.

To rate as a strategic partner, the survey participant must agree that the relationship is one that is mutually beneficial and aligned towards achieving a common goal. The consulting company we partnered with indicated that this was the highest percentage of strategic partners they had ever experienced.


Committed to a long-term approach

Health care clients need a steady, cool-headed partner that they can count on year after year.

The commercial property insurance market is often volatile. Natural disasters, acts of terrorism and investment income uncertainties can result in an unpredictable business environment. AFM embraces these realities, remaining calm and focusing beyond any short-term volatility. In fact, during the most recent market disturbances (Hurricane Katrina and the 2008 stock market crash), AFM increased our products, services and available capacity.


Dedicated to the market

Long-term thinking—focused beyond short-term profit—creates opportunities to provide additional value.

It's a common insurance industry practice to move capital between business units depending on where the most opportunity exists. AFM dedicates 100 percent of our committed resources to serving clients' property insurance needs—every premium dollar is reinvested in products and services that provide value to clients.