Overview of the Program
Amwins Underwriting markets two targeted workers’ compensation programs that give agents access to admitted and non-admitted capacity for a wide range of healthcare exposures. The programs are underwritten for healthcare-specific operations and emphasize placements where management, staffing and clinical exposures require industry-aware underwriting and claims handling. Carriers include QBE and other admitted/non-admitted markets depending on state and program placement.
Ideal Accounts and Appetite
These programs are built for agents placing small to mid-sized healthcare accounts with specialized exposures. Typical fits include:
- Assisted living, retirement centers and continuing care retirement communities
- Skilled nursing facilities, convalescent homes and nursing homes (note: some restrictions in NY)
- Home health care providers, visiting nurse agencies and hospice (except NY for certain coverages)
- Medical staffing firms, nurse registries and infusion therapy providers
- Doctor’s offices, clinics, community hospitals and associated corporate offices
- Retail and closed pharmacies, medical equipment suppliers, physical therapy and occupational health providers
- Clerical and outside sales staff (healthcare-related)
Accounts with volunteers and donated labor are accepted but volunteers cannot exceed 15% of total exposure.
Coverage Highlights and Advantages
- Programs tailor workers’ compensation forms and limits for healthcare tasks and clinical exposures.
- Ability to place monoline workers’ compensation for specialty healthcare classes that many standard markets will not accept.
- Access to both admitted and non-admitted capacity depending on state and program — useful for difficult-to-place risks.
- Underwriters with healthcare-specific experience who understand operational risk drivers such as staffing models, patient handling and credentialing.
Underwriting Notes and Minimums
- Minimum account premium: $10,000 for both programs.
- Provide payroll by class, loss runs, and a brief description of operations (including percentage of clinical vs. non-clinical exposure).
- Programs are best for accounts with organized clinical oversight and documented hiring/credentialing practices; higher risk, uninsured payroll or unstable staffing histories may require referrals.
- Certain classes (for example, skilled nursing and hospice) have state-specific restrictions — New York is restricted for some coverages.
Territories and Availability
Available nationwide. The programs write business in the following 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. Placement may be admitted or non-admitted depending on the state and selected carrier.
Why Work With Amwins Underwriting
- As a managing general underwriter, Amwins Underwriting pairs healthcare-specific underwriting with broad market access, including QBE and other carriers.
- Dedicated program focus on healthcare workers’ comp reduces time-to-bind for common classes while allowing flexibility for harder-to-place risks.
- Underwriting teams are familiar with the operational and regulatory nuances of healthcare employers, which helps produce cleaner submissions and faster decisions.
Example Client Scenarios
- You have a regional home health agency with mixed clinical staff and part-time aides: the program’s focus on home health exposures and monoline workers’ comp appetite makes it a strong placement option.
- You represent an assisted living operator expanding across several states: these programs can provide consistent workers’ comp placement with carriers that understand multi-site healthcare operations.
How to Submit
Submit payroll by class, recent loss runs and an operations summary highlighting staffing models and clinical oversight. Because minimum premium requirements apply, these programs are intended for accounts that meet the $10,000 threshold.
Frequently Asked Questions
What types of healthcare accounts are a good fit for these programs?
Home health agencies, assisted living, skilled nursing, hospice (except where restricted), medical staffing, clinics, and similar healthcare operations are core targets. Accounts should have documented hiring and clinical oversight.
Is coverage available in my state and is it admitted?
The programs are available in the full list of states shown above. Coverage may be admitted or non-admitted depending on the carrier and the program; state-specific placement will be confirmed at submission.
What is the minimum premium and other key underwriting requirements?
Minimum account premium for both programs is $10,000. Provide payroll by class, loss runs, and a description of operations. Volunteers/donated labor cannot exceed 15% of total exposure.
Which carriers support these programs?
Placement is available with QBE and other admitted/non-admitted markets through Amwins Underwriting. Final carrier availability depends on state and account specifics.
How should I prepare a submission to improve placement speed?
Include class-level payroll, five years of loss runs (if available), a current operations summary, and details on staffing and credentialing. Clear documentation of clinical supervision and safety programs speeds underwriting review.
Need help placing an account? Connect with a market specialist.