Overview — Access E&S Insurance Services: Home Healthcare Providers Professional/General Liability
Access E&S Insurance Services offers a specialized excess & surplus lines placement program for home healthcare providers seeking Professional and General Liability coverage. This program is designed for agents who need flexible underwriting for in-home care operations that may not fit admitted market appetite. With access to various carriers and markets, Access E&S helps independent agents place accounts in AZ, CA, CO, NV, TX and WA.
Who this program is built for
- Private-duty and companion care agencies
- Home health aides and personal care attendants
- Skilled home nursing and LPN/RN services
- Home infusion and medication administration services (select risks)
- Hospice support, palliative care, and post-acute in-home care
Ideal Accounts and Appetite
This program targets insureds that deliver clinical and non-clinical services in the client’s home and require both professional liability (medical malpractice/errors & omissions) and general liability protection (premises, operations, bodily injury). Ideal accounts typically have:
- Established procedures for medication administration and infection control
- Background checks and training programs for caregivers
- Moderate payroll and patient census appropriate for in-home operations
- Loss histories without frequent or high-severity professional liability verdicts
Accounts with aggressive risk management and documented clinical oversight are strong candidates. The program can accommodate harder-to-place classes that need E&S solutions, but it is less likely to accept accounts with active regulatory investigations, repeated severe claims, or unmanaged high-risk services.
Coverage Highlights and Advantages
- Combined Professional (E&O) and General Liability solutions tailored to home care exposures
- Non-admitted placement options through E&S markets when admitted coverage is unavailable
- Flexible limits and endorsement options to align with contract requirements and facility agreements
- Underwriting that considers clinical protocols and documented quality controls, not just loss count
- Access to multiple carriers to improve chances of placement for complex or high-exposure risks
Underwriting Notes and Minimum Premiums
Underwriters evaluate staffing ratios, caregiver training, screening practices, clinical oversight, and written policies for medication/error prevention. Useful submission items include:
- Currently valued loss runs (preferably 3–5 years)
- Sample caregiver training and screening protocols
- Policy and procedure manuals for clinical care and infection control
- Revenue or payroll breakdown by service type
Minimum premium: Varies by carrier and state. Because Access E&S places business across multiple markets, minimums are determined per-carrier and per-risk; provide a complete submission to obtain accurate pricing.
Territories and Availability
Availability: AZ, CA, CO, NV, TX, WA. This program is offered primarily through excess & surplus lines markets; some admitted options may be available depending on carrier and state regulatory allowances (Most Available Markets). Coverage availability and terms vary by state.
Why Work With Access E&S on Home Healthcare Business
- Wholesale E&S broker expertise focused on hard-to-place professional and general liability risks
- Access to multiple carriers to increase placement success for nuanced in-home care operations
- Underwriters experienced with the clinical and operational exposures unique to home health
- Practical submission guidance to speed review and provide clearer quotation outcomes
Example scenarios:
- You have a midsize private-duty agency that provides skilled nursing and home infusion in two states and needs professional liability plus GL limits to satisfy hospital partner contracts — this program can evaluate clinical controls and pursue E&S carriers when admitted options are limited.
- You represent a companion-care agency with a recent minor medication error but strong corrective action and training documentation — Access E&S can present the loss context and risk controls to multiple markets for placement consideration.
Frequently Asked Questions
What types of home health accounts fit this program?
This program fits private-duty agencies, skilled home nursing, hospice support, companion care, and some home infusion risks that can demonstrate training, background screening, and written clinical protocols. High-severity or actively regulated accounts are usually not a fit.
Is this admitted or non-admitted coverage?
Access E&S primarily places through excess & surplus (non-admitted) markets when admitted options are unavailable. Some admitted solutions may be accessible depending on carrier and state; availability is determined per submission (Most Available Markets).
What submission materials speed up placement?
Provide current loss runs, payroll or revenue by service, copies of caregiver screening and training policies, and your client’s infection control/medication administration procedures. Complete submissions receive faster and more accurate quotes.
Need help placing an account? Connect with a market specialist.