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...e coverage options to protect both auto and environmental exposures. Idea...review?Provide a completed commercial auto questionnaire (with hazard classes ...

...ts classes that need comprehensive automobile and environmental protection wit... thresholds?The program has a minimum auto premium of $15,000. Hazmat accounts...

...address the specialized equipment, autos, and liability exposures common to th...he program is available broadly but excludes New York and Cook County, Illinoi...

...y Contractors program: Business auto Inland marine Workers’ compensatio... with ancillary lines (inland marine, auto, WC) for a more complete solution w...

... Equisure has developed targeted products that address the unique exposures of...

Medical Facilities Insurance Amwins Program Underwriters offers a focused Medical Facilities program designed to provide package coverage for many types of medical facilities. The program has been in the market for over 40 years and combines professional and general liability protections tailored to facility operations. Learn more about the package of professional and general liability coverages that are unique to medical facilities on the program page: package of professional and general liability coverages that are unique to medical facilities. Overview of the Program from Amwins Underwriting This program is marketed through Amwins Underwriting as a Managing General Agency product for agents and brokers who place medical facility exposures. It is a package-oriented program that bundles professional liability with general liability and offers admitted property and fidelity bond options. The form language is responsive to facility risks (for example, the policy’s bodily injury definition on the CGL includes mental anguish/mental injury, and sexual abuse is defined within “Professional Services Wrongful Act” on the professional form). Ideal Accounts and Appetite Rehab and residential rehabilitation facilities Community clinics, family planning clinics, rural health clinics Allied health schools and college/university health centers Community health centers and public health departments Dialysis centers, sleep centers, imaging centers (X-ray, CT, MRI, ultrasound) Emergicenters/urgent care centers and standalone surgery centers Medical laboratories (drug testing, paternity, pathology) and mobile operations Facilities offering cosmetic procedures such as lipodissolve Generally a good fit for licensed facility operations with defined clinical protocols and documented credentials. The program can be used for single-site facilities and many types of mobile operations when exposures are within the program’s underwriting guidelines. Coverage Highlights and Advantages Professional Liability (primary component of the package) General Liability (must be written with Professional Liability) Property — admitted paper available Employee Benefits Liability (requires PL and CGL to be placed) Package policy includes coverage for independent contractors while working within the scope of duties for the Named Insured Bodily injury definition on the CGL includes mental anguish and mental injury Crime / Fidelity Bond — admitted Sexual abuse included within the professional services wrongful act definition Defense costs are generally outside the policy limits on the package form Ability to quote Excess Liability Worldwide coverage available provided the claim is filed in the U.S. Carriers participating on the program include Ironshore Insurance Services (a Liberty Mutual Company) for primary casualty, National Union Fire Insurance (an AIG Company) for bond capacity, and admitted property handled with Liberty Mutual admitted paper where applicable. Underwriting Notes and Typical Restrictions This program is primarily non-admitted for casualty lines; property and fidelity bond are placed on admitted paper where available. General Liability will not be written standalone — Professional Liability must be included. Employee Benefits Liability requires both Professional Liability and Commercial General Liability on the policy. Underwriting focuses on documented credentialing, scope of services, patient flow, staffing ratios, and written protocols for higher-exposure procedures. Some high-risk procedures or uninsured facility operations may be excluded or require referral to specialty markets. If you have specific accounts that include unusual services or higher limits, contact Amwins Underwriting to discuss referral or excess capacity options. For minimum premiums and specific retentions, please request current underwriting guidelines from Amwins — minimum premium information is determined on a case-by-case basis and is subject to carrier rules. Territories and Availability The program is available nationwide. Amwins Underwriting quotes this product for accounts across all states and the District of Columbia. Note the program places casualty on a non-admitted basis in most jurisdictions, while property and bond are placed as admitted paper where required. Why Work with Amwins Underwriting on Medical Facilities Specialized program with 40+ years’ experience placing medical facility risk. MGA access to well-known specialty markets for casualty, bond, and admitted property. Package form features designed for facility exposures (IC coverage, expanded BI definition, sexual abuse wording within professional services). Ability to provide excess limits and worldwide coverage (with U.S.-filed claim requirement). Responsive underwriting for agents who submit complete credentialing and exposure information. Example scenarios where this program commonly places business: You may have a medium-sized outpatient surgery center seeking combined professional and general liability with admitted property and crime coverage; or a community health center with multiple services (imaging, lab, and clinic) that needs a package policy and excess liability options. How to Submit Submit detailed applications and supporting credentialing, operation descriptions, and loss history to Amwins Underwriting through your usual wholesale/ MGA submission channel. Providing clear information on services performed, independent contractors, and any procedures performed onsite speeds the quote process. Frequently Asked Questions What types of accounts are a good fit for the Amwins Medical Facilities program?The program targets clinics, rehab facilities, dialysis centers, imaging and lab operations, urgent care and surgery centers, allied health schools, and similar facility-based medical operations with documented credentialing and standard clinical protocols. Is General Liability available on its own?No. General Liability is offered only as part of the package and must be written with Professional Liability under this program. Are any coverages admitted?Yes. Property and fidelity/crime bond are placed on admitted paper where available. Casualty lines (professional and general liability) are typically placed on a non-admitted basis. Does the program cover independent contractors?Yes. The package policy includes coverage for independent contractors while they are working within the scope of duties for the Named Insured, subject to underwriting approval and policy terms. Need help placing an account? Connect with a market specialist.

...rubber, textiles, electronics, and automobiles Small- to mid-sized transfer ...?Legends can place General Liability, Automobile, Inland Marine, Pollution, Pr...

...and Waiver of Subrogation options (automatic or scheduled as required by contr...ions Available Additional Insured (Automatic or Scheduled) Waiver of Subr...

...orney (subject to program terms; excludes OCs, ICs, or Per Diems) Underw...

What do we consider a "hard to place risk"? High Experience Mods (over 1.50 – no mod is too high) Steel Erection Roofing Trucking Logging Staffing Accounts only eligible for State Fund or Assigned Risk Pools High Claims Frequency Shock Losses All Insurance Underwriters, Inc. (AIU) specializes in placing challenging workers’ compensation risks that most standard markets reject. Whether your client has a high mod, a history of large losses, or is stuck in a state fund, AIU can deliver creative, competitive solutions tailored to their unique needs. Our underwriting and business development teams are nationally recognized for solving the toughest placement challenges. Don't allow your client to pay more than they should! AIU can help you move State Fund/Pool business to better options! Why This Program Works No upfront premium required Pay-As-You-Go options to improve client cash flow No intrusive year-end audits Quick and simple onboarding process Residual commissions above industry averages Appetite for high-risk classes and high mods High deductible, small deductible, and guaranteed cost programs available Designed to eliminate the need for State Fund or Pool placements Ideal Accounts and Target Industries This program is a strong fit for industries and businesses that have been declined by standard carriers or are currently stuck in the State Fund. AIU is actively seeking: Contractors with high mods or complex operations (excluding general contractors) Roofing and steel erection companies Trucking and logistics operations Logging businesses Staffing agencies, including temp medical staffing Pizza restaurants with delivery (up to 50% of gross receipts) Home healthcare providers with at least 3 full-time employees and employee health coverage Non-emergency medical transportation providers Multi-state accounts with high-risk profiles Underwriting Requirements To ensure fast and accurate quoting, please include the following with your submission: Completed ACORD 130 application Currently valued loss runs (within 90 days of effective date), typically for the past 4–5 years Details on any losses over $25,000 Ex-mod worksheet Supplemental application (mandatory for staffing, preferred for all accounts) Staffing submissions should also include: Last 4 quarters of 941s List of current contracts Detailed account description Compiled financials or a balance sheet if no D&B score is available Target premium (strongly preferred) Program Availability AIU’s Hard to Place Risks program is available in most U.S. states, including but not limited to: CA, FL, TX, NY, IL, GA, PA, and many more. We provide options through a variety of carriers depending on the risk and state. Most placements are on a non-admitted basis. Why Partner With AIU? AIU has built a trusted network of retail agency partners across the country. Our success is rooted in the value we place on those relationships and the collaborative way we do business. We respect the role of the producer and reward it with above-average commissions and responsive service. If you’re struggling to place a tough account, we invite you to submit it to our experienced underwriting team. Creating a Win-Win Relationship with Our Agency Partners Let us help you turn your hardest-to-place workers’ comp risks into long-term wins for your agency. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for businesses with high experience mods, frequent or severe losses, or those currently in state funds. Common classes include roofing, trucking, logging, staffing, and steel erection. What documents are needed to submit an account?Submit a fully completed ACORD 130, currently valued loss runs (4–5 years), ex-mod worksheet, and a supplemental application. Staffing submissions require additional documents like 941s and financials. Is there a minimum premium requirement for this program?Minimum premiums vary depending on the class and state, but AIU can accommodate small to mid-sized accounts, especially in high-risk industries. Does AIU offer Pay-As-You-Go billing?Yes, most of our programs offer Pay-As-You-Go billing to improve cash flow and simplify administration for your clients. Can AIU place multi-state or multi-location risks?Yes, AIU has programs specifically designed to handle multi-state accounts with complex or high-risk profiles. Need help placing an account? Connect with a market specialist.