Overview of the Programs from Amwins
The Amwins programs combine underwriting expertise with tailored coverage options for long-term care facilities. Agents can submit accounts to either:
Ideal Accounts and Appetite
- Skilled nursing facilities and nursing homes
- Assisted living and memory-care units
- Independent living and residential care facilities
- Senior housing and continuing care retirement communities (CCRCs)
- For-profit and not-for-profit operators, from single locations to larger organizations with multiple sites
Typical fit: accounts with at least 20 beds (Amwins Program Underwriters requirement), organized clinical and risk-management programs, and exposure profiles that match the program limits and retention structures. Accounts with complex, high-severity exposure or regulatory concerns should be discussed with underwriting before submission.
Coverage Highlights and Advantages
- Primary professional and general liability limits up to $1,000,000 per claim / $3,000,000 aggregate (higher limits and excess/umbrella layers available).
- First-dollar coverage through higher self-insured retentions considered, allowing flexible retention structures.
- RRG program includes professional + general liability at $1,000,000 / $3,000,000, employee benefit liability, sexual abuse liability, sub-limits as needed, corridor deductibles and claims-made options.
- Excess umbrella capacity up to $5 million for qualifying accounts through the primary program.
- Underwriters experienced with long-term care exposures and regulatory trends—practical placement guidance for agents who manage senior care books.
Underwriting Notes and Minimum Premiums
- Amwins Program Underwriters: Minimum premium = $25,000. Account-level minimums apply; multi-location organizations are considered based on aggregate beds and loss experience.
- Amwins Specialty Casualty Solutions (RRG): Minimum premium = $50,000. RRG submissions typically require a more detailed underwriting package and review of historical loss runs and risk-control practices.
- Self-insured retentions start at $25,000 and can be higher; corridor (inner aggregate) retentions and other structured retentions are available in the RRG program.
- Coverage form: both occurrence and claims-made features may be available depending on the program and placement; confirm with underwriting on submission.
Territories and Availability
These programs write business across a broad set of states. Availability includes: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI and WY. Confirm state-by-state eligibility and any admitted/non-admitted requirements with underwriting prior to submission.
Why Work With Amwins on Long-Term Care Business
- Specialized underwriting teams focused on long-term care exposures and senior housing operations.
- Flexible limits, retentions and excess capacity to match diverse client needs.
- Programs designed to handle multi-location accounts and a range of organizational structures (for-profit and non-profit).
- Practical placement guidance for agents: clear appetite, minimums and documentation expectations to speed underwriting decisions.
Example submissions that fit well
- You might have a regional assisted living operator with three locations (total >50 beds) seeking $1M/$3M primary limits and an umbrella — the primary program can provide limits and excess capacity with structured retentions.
- You might place a single-site skilled nursing facility with strong risk-control programs that prefers an RRG solution and is prepared for a $50,000 minimum premium and a higher self-insured retention.
Frequently Asked Questions
What types of accounts are a good fit for Amwins' long-term care programs?
Accounts that fit include skilled nursing, assisted living, independent living, residential care and senior housing—both for-profit and not-for-profit. The primary program typically requires at least 20 beds; the RRG targets larger or more sophisticated accounts that can meet its minimums and retention structures.
What are the minimum premiums and typical retentions?
The Amwins Program Underwriters' program has a minimum premium of $25,000. The Amwins Specialty Casualty Solutions RRG program has a minimum premium of $50,000. Self-insured retentions generally start at $25,000 and can be higher; corridor deductibles and other structured retentions are available depending on the program.
What limits and coverages are available?
Primary limits are commonly $1,000,000 per occurrence / $3,000,000 aggregate. Excess/umbrella capacity up to $5 million is available through the primary program. The RRG includes professional + general liability, employee benefit liability and sexual abuse liability, with sub-limits and claims-made options as needed.
Which states can I place with these programs?
These programs write in a broad range of states (AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY). Always confirm state eligibility and any admitted/non-admitted conditions with underwriting before submission.
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