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Affinity Healthcare
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Affinity Healthcare
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Home Healthcare Agencies

Exclusive Professional Liability Program for the Home Healthcare Industry

Affinity Healthcare, a trusted program administrator, offers agents access to a specialized professional liability program tailored for the unique exposures of the home healthcare sector. Backed by the strength of the American Casualty Company of Reading, PA – a CNA company – this program is available in all 50 states and Washington, DC.

This exclusive offering, administered through Nurses Service Organization (NSO), has grown over 35 years to become a leading solution for insuring over 650,000 nursing professionals and now extends comprehensive protection to home healthcare agencies. As many carriers scale back or exit the home health space, Affinity Healthcare continues to deliver stable, custom-tailored coverage at competitive rates.

Ideal Accounts and Appetite

This program is designed for a broad range of home healthcare providers, from small local agencies to large national operations. Over 50 eligible classes include:
  • Home Health Care Agencies
  • Hospice Organizations
  • Nurse Registries
  • Nurse Practitioner Clinics
  • Healthcare Staffing Agencies
  • Traveling Nurse Companies
  • Companion and Aide Services
If you have clients offering in-home nursing, therapy, or non-medical personal care services, this program offers the flexibility and protection they need.

Coverage Highlights and Advantages

This professional liability program includes a robust set of coverages to address the real-world risks home healthcare providers face daily:
  • Occurrence and claims-made forms available
  • Limits up to $1,000,000 per claim / $3,000,000 aggregate – higher limits available for qualified firms
  • Defense costs paid outside policy limits
  • License Protection – up to $25,000 per proceeding/$25,000 aggregate
  • Sexual Misconduct/Abuse Allegations – up to $25,000 aggregate
  • Deposition Representation – up to $10,000 aggregate
  • Defendant Expense Benefit – up to $1,000 per day / $25,000 aggregate
  • Information Privacy Coverage – up to $25,000 aggregate
  • Assault Coverage – up to $25,000 aggregate (not available in Texas)
  • Damage to Property of Others – up to $10,000 aggregate
  • Medical Payments – up to $25,000 per person / $100,000 aggregate
  • First Aid Expenses – up to $10,000 aggregate
  • Optional Endorsements: Service to Animals, Consulting Services Liability, Medical Director
These protections help your clients manage claims ranging from alleged negligence in patient care to regulatory license challenges.

Underwriting Notes and Minimum Premiums

This program is available in all states, with a minimum premium starting at $500. Underwriting is available for both occurrence and claims-made forms. Higher limit options and specialized endorsements are available for qualified applicants.

Territories and Availability

Coverage is available in all 50 states and Washington, DC. Whether your client operates in a single state or across multiple regions, Affinity Healthcare can tailor coverage accordingly.

Why Work With Affinity Healthcare?

Affinity Healthcare, operating under the NSO brand, brings deep expertise in insuring healthcare professionals. With decades of experience, a commitment to service, and access to a leading carrier in CNA, they offer agents a reliable, responsive market for home healthcare accounts.

You might have a client expanding their home health services to include hospice care or a nurse registry navigating multi-state operations. In both cases, Affinity Healthcare can help you secure the tailored professional liability coverage your clients need—efficiently and competitively.

Affinity Healthcare is a registered trade name of Affinity Insurance Services, Inc.; (TX 13695); (AR 100106022); in CA, MN, AIS Affinity Insurance Agency, Inc. (CA 0795465); in OK, AIS Affinity Insurance Services, Inc.; in CA, Aon Affinity Insurance Services, Inc., (CA 0G94493), Aon Direct Insurance Administrators and Berkely Insurance Agency and in NY, AIS Affinity Insurance Agency.

All descriptions, summaries or highlights of coverage are for general informational purposes only and do not amend, alter or modify the actual terms or conditions of any insurance policy. Coverage is governed only by the terms and conditions of the relevant policy.

Frequently Asked Questions

What types of accounts are a good fit for this program?

This program is ideal for home healthcare agencies, hospices, nurse registries, nurse practitioner clinics, and similar organizations providing in-home medical or non-medical care.

Is this coverage available nationwide?

Yes, the program is available in all 50 states and Washington, DC.

What is the minimum premium for eligible risks?

The minimum premium starts at $500, with final pricing based on the size, scope, and risk profile of the applicant.

Are both occurrence and claims-made policies available?

Yes, the program offers both occurrence and claims-made forms to suit different client needs.

Can I add optional endorsements for specialized services?

Yes, optional endorsements such as Service to Animals, Consulting Services Liability, and Medical Director coverage are available for qualifying risks.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Program Administrator
  • Admitted:
    All Available States
  • Carriers:
  • Carrier Ratings:
    "A" (Excellent) by A.M. Best
  • Commission:
    -
  • Min Premium:
    $500

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CONTACT INFORMATION

LOCATION

159 East County Line Road
Hatboro, PA 19040
877-256-6215
0795465 and 0G94493
View Map

APPLICATIONS

  • Contact your Regional Sales Director for the appropriate application.

AGENCY LICENSING

Affinity Healthcare is a registered trade name of Affinity Insurance Services, Inc.; (TX 13695); (AR 100106022); in CA, MN, AIS Affinity Insurance Agency, Inc. (CA 0795465); in OK, AIS Affinity Insurance Services, Inc.; in CA, Aon Affinity Insurance Services, Inc., (CA 0G94493), Aon Direct Insurance Administrators and Berkely Insurance Agency and in NY, AIS Affinity Insurance Agency.
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Affinity Healthcare has other insurance programs like Aesthetics/MediSpa Professional Liability Insurance.