https://completemarkets.com/company/sbtinsurance/Home-Health-Care-and-Medical-Equipment-Providers/
Smith Bell & Thompson, Inc. offers a specialized insurance program tailored for Home Health Care and Medical Equipment Providers. This program is designed to help agents and brokers place coverage for a wide range of healthcare service providers operating in non-hospital environments. Target classes include visiting nurse associations, home health agencies, infusion therapy providers, hospital staffing services, hospices, nurse registries, traveling nurse companies, and suppliers of durable medical equipment.
This comprehensive, multi-line program addresses the diverse exposures these businesses face. Coverage options include professional liability, general liability, products liability, third-party fidelity bonds, property, directors & officers (D&O) liability, auto, workers’ compensation, and umbrella liability. Whether your client is a startup home health agency or a multi-state medical equipment distributor, this program is structured to manage complex and evolving risk profiles.
Backed by AIG and written on a non-admitted basis, this program brings flexibility and strength to meet the needs of hard-to-place or unique risks. You can place accounts that fall outside the appetite of standard carriers, giving your clients quality protection and peace of mind.
Ideal Accounts and Appetite
This program is ideal for a range of home-based and ancillary healthcare operations, including:
Visiting nurse associations and home health care agencies
Hospices providing in-home or facility-based care
Infusion therapy and medical staffing companies
Nurse registries and traveling nurse businesses
Durable medical equipment (DME) and home medical supply distributors
Accounts with a strong safety record, clear operational procedures, and professional management are particularly attractive. You might have a client who operates a multi-location DME business or a regional home hospice provider—both are solid fits for this program.
Coverage Highlights and Advantages
Professional and general liability coverage tailored to healthcare exposures
Products liability for medical and therapeutic equipment
Third-party fidelity bond for employee dishonesty protection
Property and auto coverage for mobile and on-site operations
Directors & Officers (D&O) liability for governance risk
Workers’ compensation and umbrella options
Combining these coverages into a single program simplifies policy management and ensures a coordinated risk transfer strategy for your clients.
Underwriting Notes and Minimum Premiums
Each submission is reviewed individually to ensure proper alignment with underwriting guidelines. While no specific minimum premium is listed, accounts should be commercially viable and meet basic underwriting standards. Clients with a history of claims or regulatory issues may require additional documentation or risk improvements.
Territories and Availability
This program is available in most U.S. states, including but not limited to CA, FL, TX, NY, and IL. It is currently written on a non-admitted basis, providing greater flexibility in coverage design and pricing. Coverage is available in all listed 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.
Why Work With Smith Bell & Thompson, Inc.
Smith Bell & Thompson, Inc. brings deep expertise in healthcare and allied health risks. As a trusted wholesaler with access to top-tier carriers like AIG, they offer tailored solutions for challenging placements. Their experience in structuring multi-line programs helps agents confidently serve their healthcare clients. You benefit from responsive underwriting support and a partner who understands the nuances of home health care operations.
Frequently Asked Questions
What types of accounts are a good fit for this program?Ideal accounts include home health agencies, hospices, nurse registries, traveling nurse companies, infusion therapy providers, and DME suppliers.
Is this program admitted or non-admitted?This program is written on a non-admitted basis, allowing for greater flexibility in coverage and underwriting.
What coverages are included in the program?The program offers professional liability, general liability, products liability, property, D&O, auto, workers’ comp, umbrella, and third-party fidelity bonds.
Which states is this program available in?It is available in nearly all U.S. states, including CA, FL, TX, NY, and IL. A full list includes 50 states plus DC.
Who is the carrier backing this program?The program is backed by AIG, providing strong financial security and underwriting expertise.
Need help placing an account? Connect with a market specialist.
https://completemarkets.com/company/sbtinsurance/Community-Hospitals/
Smith Bell & Thompson, Inc. offers a specialized insurance program tailored for general medical and surgical community hospitals with 100 beds or fewer. Both for-profit and non-profit facilities are eligible under this program, making it a versatile solution for a wide range of healthcare clients.
Minimum premium requirement is $25,000, positioning this program for mid-sized risks with meaningful exposure.
Coverage includes professional liability and general liability on a claims-made, non-admitted (surplus lines) basis. Additionally, workers’ compensation coverage is available on an admitted basis, offering a complete risk solution for qualifying hospitals.
Overview of the Program From Smith Bell & Thompson, Inc.
Smith Bell & Thompson, Inc. provides a niche Community Hospitals insurance program designed to help agents and brokers place coverage for smaller hospitals operating in today’s complex healthcare environment. With underwriting support and access to AIG as the carrier, this program offers tailored solutions for the unique risks associated with community hospitals.
Ideal Accounts and Appetite
The ideal candidates for this program are general medical and surgical community hospitals with a licensed bed count of 100 or fewer. Both for-profit and non-profit organizations are eligible. The program is best suited for hospitals that provide direct patient care and have standard risk profiles for their size and scope.
You might have a client who runs a 75-bed non-profit hospital in a rural area or a small for-profit surgical center serving a suburban community—both could be a strong fit for this offering.
Coverage Highlights and Advantages
Professional Liability – Claims-made, non-admitted coverage tailored for medical practice risk exposures.
General Liability – Claims-made, non-admitted, addressing premises and operational liability.
Workers’ Compensation – Offered on an admitted basis to meet statutory requirements.
By combining key coverage lines into one program structure, Smith Bell & Thompson, Inc. simplifies placement and supports comprehensive protection for your healthcare clients.
Underwriting Notes and Minimum Premiums
A minimum premium of $25,000 applies, making this program most appropriate for hospital accounts with moderate to significant exposures. Underwriters will evaluate each submission based on services provided, claims history, and overall operational risk. Submissions should include complete details to ensure accurate and timely quoting.
Territories and Availability
This program is currently available in the following states: Colorado, Illinois, Indiana, Iowa, Louisiana, Michigan, and Missouri. Agents operating in these regions can access specialized underwriting and competitive coverage solutions through Smith Bell & Thompson, Inc.
Why Work With Smith Bell & Thompson, Inc.?
Smith Bell & Thompson, Inc. brings strong market relationships and a focused approach to healthcare facilities insurance. With direct access to AIG and a commitment to responsive service, they help agents secure quality coverage for complex hospital risks. Their experience in the healthcare niche ensures that submissions are reviewed with insight and efficiency.
Frequently Asked Questions
What types of accounts are a good fit for this program?General medical and surgical community hospitals with 100 beds or fewer, including both for-profit and non-profit facilities, are ideal candidates.
What coverages are included in the Community Hospitals program?The program includes professional and general liability on a claims-made, non-admitted basis, and workers’ compensation on an admitted basis.
Is there a minimum premium requirement?Yes, the minimum premium for this program is $25,000.
Which states is this program available in?The program is available in Colorado, Illinois, Indiana, Iowa, Louisiana, Michigan, and Missouri.
Who is the carrier for this program?AIG is the carrier backing the Community Hospitals program offered through Smith Bell & Thompson, Inc.
Need help placing an account? Connect with a market specialist.