Program Overview — Amwins Underwriting: Home Health Care & Medical Equipment Suppliers
Amwins Program Underwriters offers a tailored program to place property and casualty coverage for home health care agencies, hospice providers, and medical equipment suppliers. With more than 40 years of specialty experience, Amwins combines deep market relationships and focused underwriting to provide broad, practical coverage for this niche. For program details see the carrier product page: property and casualty coverage needs of home health care agencies and hospice and medical equipment suppliers.
States / Paper
- Admitted in all states except NY
- Available via surplus lines in Miami-Dade and Broward Counties (FL)
*DME/ HME providers and distributors are only written on a non-admitted basis.
Target Accounts & Appetite
This program is designed for agents placing a broad range of home health and medical equipment accounts. Ideal classes include:
- Home Health Care Agencies / Providers
- Visiting Nurse Associations (VNA's)
- Home Infusion Providers
- Hospice Providers
- Companion Care Providers
- Home Medical Equipment Suppliers (with and without retail operations)
- Unskilled / ADL Providers
- DME / HME providers to homes and other facilities (Non-Invasive Equipment)
- Infusion Suites
- Drug Distributors
- Equipment Distributors
- Small Staffing Providers (under $50K in premium, not eligible in AZ, FL, IL, or NM)
Accounts with standard patient-facing operations, non-invasive equipment distribution, or limited retail exposure typically fit. Higher-risk exposures (invasive medical procedures, large-scale national distributors with complex supply chains, or facilities with significant owned auto fleets) may be outside the appetite — discuss unique or larger risks with underwriting before submission.
Coverage Highlights
- Professional Liability
- General Liability (Occurrence and Claims Made options in most states)
- Employee Benefits Liability (when PL & GL is written)
- Package policy includes coverage for I.C.’s while working within scope of duties for Named Insured
- Bodily Injury definition includes mental anguish and mental injury on the CGL
- Non-Owned & Hired Auto (Owned/Commercial Auto not eligible)
- Crime or Fidelity Bond (admitted)
- Sexual Abuse is included within the definition of “Professional Services Wrongful Act” in the policy form
- Defense costs are generally outside the policy limits on package policy
- Property (admitted)
- Excess / Umbrella (when PL & GL is written)
- Worldwide Coverage (claim must be filed in U.S.)
Carriers & Paper
The program places paper with A.M. Best "A" rated capacity and additional markets depending on class and state. Representative carriers and paper include:
- Ironshore Insurance Services (a Liberty Mutual Company)
- Bond — National Union Fire Insurance (an AIG Company)
- Property — admitted paper with Liberty Mutual
Underwriting Notes
- DME/HME providers and distributors are handled on a non-admitted basis only.
- Owned commercial auto is not eligible; Non-owned & hired auto is offered.
- Sexual abuse exposures are addressed within the professional services wrongful act definition — review operations and screening practices on submission.
- Defense costs are typically outside the limits on package placements — review policy language for each quote.
Minimum premiums and program terms vary by class and state. Please submit ACORD applications, loss runs, and a summary of operations to underwriting to obtain specific pricing and binding guidelines.
Territories and Availability
This program is available in most states. Availability and admitted vs. non-admitted placement vary by class and state—examples of territories where the program writes business include:
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
Why Work With Amwins Underwriting on This Business
- Specialized underwriting with decades of placement experience in the home health and medical equipment niche.
- Broad package options that combine professional and general liability with property, crime, and excess when appropriate.
- Access to admitted and surplus markets to help you place accounts that need admitted paper or surplus flexibility.
- Practical coverage features for patient care exposures (mental anguish inclusion, IC coverage within scope, worldwide coverage with U.S. claims filing).
Example scenario: You may have a regional home infusion provider with limited retail operations seeking combined GL/PL with crime and property — this program can provide admitted or surplus options depending on state and exposures. Another fit would be a small home medical equipment supplier selling non-invasive devices with retail pickup — eligible for package placement on admitted or non-admitted paper per underwriting.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Typical fits include home health agencies, hospice providers, visiting nurse associations, home infusion providers, companion care, and home medical equipment suppliers that distribute non-invasive devices. Small staffing providers under the premium threshold may also qualify (see underwriting restrictions by state).
How are DME/HME providers treated?
DME/HME providers and equipment distributors are generally written on a non-admitted basis only. Retail operations are considered, but admitted vs. surplus placement depends on class, state, and risk characteristics.
Is owned commercial auto eligible?
No — owned or commercial auto is not eligible with this program. Non-owned and hired auto can be included as part of the package where appropriate.
Which states are available and does availability differ by product?
The program writes in most states; admitted vs. non-admitted availability varies by class and state. Certain counties in Florida and other state restrictions may apply. Confirm availability with underwriting for each specific submission.
What submission materials does underwriting want?
Provide a completed ACORD application, recent loss runs, and a concise operations summary describing services, staff levels, retail presence, and any contracting or credentialing processes. Underwriters may request additional documentation for higher exposures.
Need help placing an account? Connect with a market specialist.