Overview — Amwins Underwriting Healthcare Management Liability
Amwins Underwriting’s Healthcare Management Liability Insurance program offers long-standing, admitted capacity for executives and management teams in the healthcare sector. Designed for hospitals, clinics, eldercare providers and other healthcare-focused organizations, the program combines directors & officers (D&O) protection with supplemental coverages such as EPLI and cyber. With 50+ years in business and more than 20 years with the same A++ carrier, this program is positioned to handle routine and complex management liability needs nationwide.
Ideal Accounts and Appetite
- Hospital systems, community hospitals and regional health networks
- Eldercare providers: skilled nursing facilities (SNF), assisted living (ALF) and continuing care retirement communities (CCRC)
- Clinics and physician groups across specialties
- Behavioral and mental health providers, ambulatory surgery centers, testing labs, hospice and home health agencies
- Smaller non-profit and private healthcare facilities seeking admitted D&O capacity
Accounts with stable governance, clear compliance programs, and established risk management practices are a particularly good fit. The program is not intended for publicly traded firms, multi-state health care chains, HMOs, health plans, or managed care organizations.
Coverage Highlights & Advantages
- Primary and excess D&O limits up to $10 million
- Packageability—add EPLI and cyber cover where appropriate to create a consolidated management liability solution
- Admitted paper in most states, simplifying procurement and compliance for many insureds
- Longstanding carrier relationships that support stable pricing and consistent underwriting
Underwriting Notes & Minimum Premiums
Underwriting focuses on the quality of governance, claims history, regulatory exposure, and the facility’s operational controls. Financial condition and management experience will influence terms and available limits. Minimum premium varies by class, size and state—refer to Amwins Underwriting for specific minimums and submission requirements.
Territories & Availability
Available in most states, including 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. Positioning is primarily on admitted paper where offered—confirm availability state-by-state for your placement.
Why Place This Business With Amwins Underwriting
- Program longevity and carrier stability that agents can rely on for renewals and continuity
- Flexible structure—ability to write primary or excess layers and combine EPLI and cyber coverage
- Dedicated underwriting with healthcare specialty expertise to help place complex or sensitive accounts
- National footprint that supports regional and single-state healthcare clients
Example placements: you might have a 150-bed community hospital seeking admitted D&O limits with EPLI and cyber endorsements, or an assisted living community looking for a consolidated management liability program up to $5M—both are within this program’s typical appetite when governance and controls meet underwriting guidelines.
Frequently Asked Questions
What types of healthcare accounts are a good fit for this program?
Mid-market hospitals, physician groups, eldercare facilities (SNF/ALF/CCRC), ambulatory surgery centers, behavioral health providers, hospice/home health and medical testing facilities that have stable governance and standard compliance practices.
Can I bind admitted coverage in my state?
The program offers admitted paper in most states. Availability is state-dependent—confirm admitted status for a specific state with Amwins Underwriting prior to binding.
Does the program combine D&O with EPLI and cyber?
Yes. The program can be structured to include D&O with EPLI and cyber where appropriate, on either a primary or excess basis, allowing you to present a consolidated management liability solution.
What accounts are ineligible?
Publicly traded entities, large multi-state healthcare chains, HMOs/health plans and managed care organizations are outside the program’s appetite.
Where do I submit a deal or get underwriting requirements?
Use your usual Amwins Underwriting contact or the program page linked above for submission guidelines and the latest underwriting checklist. Underwriting will request financials, governance information and claims history as part of the standard review.
Need help placing an account? Connect with a market specialist.