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Captives & Alternative Markets Program F...is a non-admitted program focused on captive and alternative market solutions that fall outs...

...ce in niche Workers' Compensation markets and provides responsive underwriting...

...ne Roundstone’s American Business Captive is a turnkey heterogeneous group captive designed for middle-market companies...nd General Liability on a multi-line captive structure. Is the program availab...

Medical Expense Stop Loss Group Captive Program from Roundstone Roundstone...tone?Brokers gain access to a proven captive model, competitive pricing, under...

... Reimbursement Program (DRP) is a captive-based solution that helps employers ...tone provides underwriting guidance, captive program structuring, and ongoing ...

...strict of Columbia, including key markets like California, Texas, Florida, and...

... the underwriting discipline of a captive program placed through admitted carr...olutions for franchise systems. As a captive provider working through admitted...

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.

...red. We work with independent and captive agents who don’t have access to our markets. Are your products available in all ...