Search CompleteMarkets

...ther you're working with a small community counseling center or a multi-site o...hat are making a difference in your community. Frequently Asked Questions Wha...

Home Medical Equipment Dealers Insurance from AFC Insurance Inc. AFC Insurance Inc. offers a focused Home Medical Equipment Dealers Insurance program through its Health & Human Services (H&HS) platform. This program is built for agents placing durable medical equipment (DME) dealers — businesses that sell, rent, deliver, install, or service mobility and respiratory equipment for patients receiving care at home. Ideal Accounts and Appetite This program targets Home Medical Equipment Dealers and DME providers of varying sizes. Typical fits include storefront retailers, regional suppliers with delivery fleets, and independent dealers who service home-bound or elderly patients. Good-fit examples: A regional DME supplier with multiple retail locations, delivery drivers, and in-house repair techs. An independent dealer that sells mobility aids and provides home delivery, setup, and periodic maintenance for elderly clients. A small rental-focused company supplying hospital beds and oxygen concentrators to hospice or home health patients. Operations that typically do not fit under the broader H&HS program include Assisted Living Facilities, Birthing Centers, Correctional Facilities, Psychiatric Hospitals, and Adoption Agencies that represent more than 25% of operations. Review the full ineligibility list before submission. Coverage Highlights and Advantages AFC's program offers broad liability and property solutions tailored to the exposures common in the DME industry. Key coverages and options include: General Liability and Professional Liability designed for product sales, rentals, and service work Package policies that can include Property and Auto (subject to carrier restrictions) Umbrella Liability options for excess protection Abuse & Molestation coverage where applicable Endorsements and enhancements such as: Volunteers & Independent Contractors treated as insureds Optional Key Employee Replacement Endorsement Optional Extended Coverage Endorsement with Blanket Additional Insured Underwriting Notes and Minimum Premiums Underwriting evaluates account size, revenue composition (sales vs. rental vs. service), fleet exposure, and loss history. Minimum premiums vary by carrier, state, and risk characteristics; AFC works with multiple markets to provide competitive terms and flexible retentions for appropriate risks. Prepare submissions with details on revenue by class, vehicle schedules, employees performing installations, and any service protocols to speed review. Territories and Availability The program is available in most states, including AL, AZ, AR, CA, CO, CT, DE, FL, GA, 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, and WY. Coverage is admitted in most available states, providing agents access to admitted paper where required. Why Work With AFC Insurance Inc.? As a Program Administrator focused on Health & Human Services niches, AFC combines underwriting expertise with access to multiple carrier partners. Agents receive market-specific guidance, flexible endorsements tailored to DME exposures, and responsive submission support to place complex accounts. If you have clients in the DME space who need admitted capacity, tailored liability forms, or package solutions that include property and auto, AFC is positioned to help you place and service that business. Frequently Asked Questions What types of accounts are a good fit for this program?Accounts that sell, rent, or service durable medical equipment — including storefront retailers, companies that deliver and install equipment at patients' homes, and rental-focused suppliers — are ideal. Mobility equipment dealers, oxygen suppliers, and in-home device vendors are common examples. Are there any operations that are not eligible?Yes. Ineligible operations under the H&HS platform include Assisted Living Facilities, Birthing Centers, Psychiatric Hospitals, Correctional Facilities, and Adoption Agencies when they represent more than 25% of operations, among others. Confirm eligibility before submitting. What coverages are included in the Home Medical Equipment Dealers Insurance program?The program offers General and Professional Liability, package policies that may include Property and Auto (with carrier restrictions), Umbrella options, Abuse & Molestation coverages where applicable, and optional endorsements like Key Employee Replacement and Blanket Additional Insured. Is this program admitted or non-admitted?This program is admitted in most available states, giving agents access to admitted capacity for clients in jurisdictions where admitted paper is preferred or required. Which states is this program available in?The program is available in most U.S. states, including major markets such as CA, FL, TX, and NY. Refer to the full state list in the program details for availability by state. Need help placing an account? Connect with a market specialist.

...targets a wide range of home and community care operations, including: ...

UNDERGROUND STORAGE TANKS Insurance Program from Advanced E&S Group - Southeast Region Advanced E&S Group - Southeast Region offers a focused Underground Storage Tanks (UST) insurance program that helps independent agents and brokers place coverage for insureds with environmental exposures related to underground storage tanks. Whether your client operates a fuel station, regional airport, manufacturing site, or a public institution, this program delivers tailored protection for third-party liability, corrective action costs, and regulatory financial responsibility needs. Ideal Accounts and Appetite Airports and fixed-base operators Auto dealerships and service centers Commercial and industrial facilities (service stations, convenience stores, fleet fueling) Manufacturing plants with fueling or chemical storage Municipalities and public works Hospitals and healthcare campuses Schools, colleges, and universities Common fits include single-site or multi-site gas station portfolios, small regional airports with refueling operations, municipal fueling depots, and campuses that must meet federal or state financial responsibility requirements. The program targets accounts with documented tank inventories and routine maintenance; higher-risk locations or sites with large, unresolved releases may require pre-submission engineering or will be declined. Coverage Highlights and Advantages Third-party bodily injury and property damage resulting from tank releases Corrective action costs, including site investigation, cleanup and remediation Policies and certificates designed to satisfy applicable federal and state financial responsibility requirements Placement primarily on a non-admitted basis with carrier options dependent on state and file specifics Enhanced Coverage Terms Flexible limits of liability and deductible structures to match regulatory and client needs Broad coverage territory across most U.S. states Expanded definitions for additional insureds, first named insured, and remediation costs Extended reporting period enhancements available on request Underwriting Notes and Minimum Premiums Minimum premiums vary by tank type, site characteristics, and carrier. For efficient review, include a tank schedule, loss runs, operating history, and any environmental reports (Phase I/II, release reports). Helpful supplemental details: release history, cathodic protection status, recent tightness test records, overfill/spill prevention measures, and evidence of operator training. Advanced E&S Group works with multiple carriers to provide competitive terms and flexible underwriting solutions across a wide range of risks. Territories and Availability This program is available in most states across the U.S., including: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, and DC. Availability and placement terms depend on carrier appetite and state regulation. Why Work With Advanced E&S Group As a Managing General Agency with focused environmental expertise, Advanced E&S Group provides agents access to a range of carrier solutions for UST risks. Their underwriters understand regulatory compliance, site remediation exposures, and the operational details that drive pricing and terms. You’ll benefit from responsive service, practical underwriting feedback, and flexible placement options for both single sites and portfolios. Example scenarios: You might have a client who runs a four-site gas station franchise looking for consolidated coverage and certificates to meet state financial responsibility rules, or a municipal airport that needs third-party liability and corrective action coverage after routine tank upgrades—both are good fits for this program. Frequently Asked Questions What types of accounts are a good fit for this program?This program fits facilities that operate underground storage tanks, including gas stations, airports, industrial plants, municipalities, educational institutions, and healthcare campuses. Is this coverage available in all states?Not in every state, but the program is available in most U.S. states listed above. Contact Advanced E&S Group with the specific state and site details to confirm availability. Does the policy meet federal or state financial responsibility requirements?Yes. Policies and certificates can be structured to satisfy applicable federal and state financial responsibility regulations, subject to carrier and state approval. What documents are required to get a quote?Provide a completed application, detailed tank schedule, loss runs, and any environmental assessments or prior remediation reports to speed underwriting. Are there flexible deductible and limit options?Yes. The program offers a range of deductibles and limits to align with client risk profiles and regulatory requirements. Need help placing an account? Connect with a market specialist.

Flexible Coverage for the Construction Industry Builders face significant risks from fire, weather, equipment breakdown, theft and other construction exposures. With residential, commercial, hospitality and institutional projects often representing millions in investment, protecting those assets is critical. The IGP Specialty Builder’s Risk Program helps safeguard against financial losses throughout the construction process — from groundbreaking through certificate of occupancy. Whether you’re building single-family homes or multimillion-dollar office complexes, our program offers tailored risk management solutions designed for the unique needs of the construction industry. Key Advantages Comprehensive AAIS coverage forms Available on a ground-up, primary or quota share basis Delay in completion coverage for soft costs, rental and business income Project-specific coverages Expertise in complex property risks and large-scale projects, including layered placements and multiple carriers Low minimum premiums, flexible policy periods (3–36 months) and competitive pricing Fast quote–bind–issue capabilities and responsive claims service Personalized support from experienced construction insurance professionals Target Classes Residential (1–4 family dwelling) Apartments, condominiums, group homes, and assisted living facilities Commercial (offices, mercantile, and retail) Hospitality (hotels and motels)Institutional (schools, hospitals, municipal, and correctional facilities) Institutional (schools, hospitals, municipal, and correctional facilities) Coverages Fire Theft Vandalism Wind, earthquake, and flood Installation floater Installed equipment Permanent fencing and foundations Debris removal Fire department services Trees, shrubs, and plants Pollution cleanup Transit Temporary storage Program Information Builder’s Risk Extension Questionnaire Builder's Risk New Ground-Up Construction Supplemental Builder's Risk Prior Start Supplemental Builder’s Risk Program Fact Sheet Builder’s Risk Program Highlights Builders' Risk Renovations Supplemental Contact Us As an industry leader, IGP Specialty provides coverage for highly complex property risks and large-scale projects, including those requiring multiple carriers and layered coverage. Our program offers low minimum premiums, flexible policy periods of three to 36 months, and highly competitive pricing. Our systems allow our teams to quote, bind, and issue a policy quickly and accurately and our service team provides fast, efficient claims handling. When working with IGP Specialty, you receive personalized service from knowledgeable professionals with decades of insurance expertise in the construction industry. Please submit loss run requests to [email protected].

... programs, congregate meals, and community activities. Small to mid-sized fl...ps to appointments, day programs or community outings—are the best fit, provid...

...o help agents place coverage for Community Associations, Property Owners, and ...e Cyber$ential program is built for Community Associations, Property Owners, a...

Overview — IPMG Nursing Home Insurance and Risk Management IPMG provides dedicated Nursing Home Insurance and Risk Management solutions for senior care providers. We combine program underwriting (including acting as Managing General Underwriters for select programs) with wholesale brokerage and hands-on risk management designed specifically for nursing homes, assisted and independent living, CCRCs, home health agencies and adult day care providers. Our Healthcare division focuses on the senior care market and manages specialty liability programs such as Trinity Risk Solutions RRG (for not-for-profit providers) and New York Healthcare RRG (open to all ownership types). IPMG also places primary and excess P&C coverages, including workers’ compensation, through multiple markets and RRG capacity. Ideal Accounts and Appetite This program is tailored for licensed senior care operators where clinical protocols, regulated operations and staff training are central to controlling liability—and where active risk management will materially reduce exposures. Typical fits include: Skilled nursing/nursing homes (licensed) Assisted living and independent living communities Continuing care retirement communities (CCRCs) Home health providers and adult day care centers Accounts with established management, good licensure history and a commitment to documented clinical processes and staff training are the best fits. For higher-risk specialty operations (for example unlicensed programs or clinical models outside traditional senior care), please discuss specifics with underwriting before submission. Coverage Highlights and Advantages IPMG’s program offers access to multiple liability markets and RRG capacity with a focus on practical loss control. Key advantages for agents and their clients include: Program access to Trinity Risk Solutions RRG and New York Healthcare RRG Wholesale brokerage for primary and excess P&C placements, including workers’ compensation Integrated risk management services that help reduce severity and frequency of claims 24-hour risk management hotline and online incident reporting Risk Management Services IPMG’s in-house risk management team includes former Directors of Nursing and clinical professionals such as physical therapists. Their services are designed to improve care quality, protect employees and help manage insurance costs. Regulatory compliance assistance Accident investigation training and incident investigation assistance 24-Hour risk management hotline and online incident reporting Mock surveys, plan of correction assistance and clinical case reviews Employee programs: limited lift programs, essential functions testing, drug testing and background check policies Supervisors/leadership development and wellness consulting Underwriting Notes and Minimum Premium Submissions should include completed applications, recent loss runs and proof of licensure. This program typically requires a minimum annual premium of $10,000. Because IPMG places business into both RRG and non-admitted markets, terms and attachment points will depend on account profile and desired structure. Territories and Availability Available in the following 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. Coverage may be placed in admitted or non-admitted markets depending on carrier and program structure; consult underwriting for state-specific placement guidance. Why Work With IPMG on Senior Care Business Agents choose IPMG because we combine program access (including RRGs), wholesale brokerage relationships and clinical-focused risk management. Our team’s senior care experience helps translate clinical improvements into measurable reductions in exposure, which supports better pricing and placement options. Example Placement Scenarios You might have a client who is a 75-bed not-for-profit nursing home with stable management and a strong incident reporting program—this is a natural fit for Trinity Risk Solutions RRG capacity. Or you may represent a small assisted living operator seeking primary liability and workers’ compensation where IPMG’s wholesale markets and risk management services can be bundled to improve terms. WE'VE GOT YOU COVERED! Frequently Asked Questions What types of senior care accounts are the best fit for IPMG’s Nursing Home program?Licensed nursing homes, assisted and independent living communities, CCRCs, home health agencies and adult day care providers with documented clinical processes and experienced management are the best fits. Not-for-profit providers may be eligible for Trinity Risk Solutions RRG capacity. What submissions does underwriting typically require?Underwriters generally expect a completed application, recent loss runs, proof of licensure, and information on risk management practices. Specific requirements vary by market and program—contact IPMG underwriting for a targeted checklist. Is risk management included with placements through IPMG?IPMG provides dedicated risk management services—clinical reviews, mock surveys, hotline support and training—which are integral to our senior care solutions and can be offered as part of the placement or as a separate service to help reduce exposures. Need help placing an account? Connect with a market specialist.

Midwest Nursing Homes & Assisted Living Facilities Insurance Program Caitlin Morgan Insurance Services offers a dedicated program that addresses the liability needs of nursing homes, assisted living facilities, memory care, and other senior care operations across the Midwest. The program is backed by Midwest Insurance Group (MIG), a member-owned Risk Retention Group (RRG) formed under the Liability Risk Retention Act. MIG was created to provide a stable, cost-effective alternative to rapidly rising liability costs in the healthcare sector. As an independent agent or broker, you can place long-term care accounts through Caitlin Morgan with underwriting tuned to the realities of senior living operations. The program emphasizes consistent underwriting, competitive liability placements, and coverage stability—important advantages in a volatile market for healthcare liability. Ideal Accounts and Appetite This program targets small- to mid-sized senior care providers that demonstrate strong operations and a commitment to risk control. Ideal placements include: Skilled nursing facilities Assisted living and memory care centers Independent living communities with healthcare components Continuing care retirement communities (CCRCs) Facilities with clean loss histories, solid regulatory compliance, and active staff training programs are preferred. For example, you might have a client running a 75-bed assisted living facility in Indiana who needs long-term professional and general liability protection—this program is built to serve that profile. Coverage Highlights and Advantages The program offers both Professional Liability and General Liability forms tailored to senior care exposures. Key advantages include: Member-owned RRG structure that supports long-term underwriting stability Coverage wordings and limits designed specifically for healthcare and senior living risks Consistent market availability when traditional liability markets are constrained Experienced claims handling and proactive risk management consultation Through the RRG model, insureds participate in a risk-sharing approach that aligns underwriters and members around loss control and rate stability. Underwriting Notes All submissions are reviewed on their own merits with emphasis on operational quality, staffing, training, and claims history. While there is no public minimum premium listed, accounts should reflect financially viable operations and a demonstrated focus on regulatory compliance. Facilities with recent major violations, repeat deficiencies, or high loss frequency are less likely to qualify unless there is clear evidence of corrective action and improved controls. Territories and Availability This program is available in the following Midwest states: Illinois (IL) Indiana (IN) Michigan (MI) Ohio (OH) Coverage is offered through the RRG structure and is supported with the necessary filings to operate in the listed states. Why Work With Caitlin Morgan Insurance Services? Caitlin Morgan Insurance Services specializes in healthcare and senior living risks and acts as the exclusive access point to the MIG program. Agents benefit from focused underwriting guidance, timely turnarounds, and hands-on support when placing long-term care liability. Whether you are submitting a single-location facility or a small group operator, Caitlin Morgan provides tailored solutions and a partner approach to risk placement and loss control. To learn more about the program or request a quote, visit our storefront or Caitlin Morgan’s company profile. Frequently Asked Questions What types of accounts are a good fit for this program?Skilled nursing facilities, assisted living and memory care centers, CCRCs, and independent living communities with healthcare components that have solid management, clean loss histories, and strong compliance in IL, IN, MI, and OH. What types of coverage are included?The program provides both Professional Liability and General Liability coverage with forms and limits designed for long-term care and senior living exposures. Is the program admitted or non-admitted?This program is offered through a Risk Retention Group (MIG). It operates under the LRRA and is authorized to write business in the listed states; it is not an admitted carrier in the traditional sense. Can I submit a facility with a recent claim?Yes—facilities with recent claims may be considered. However, accounts with high frequency or severity of losses are less likely to qualify unless there is clear evidence of improved risk controls and remediation. Who underwrites this program?Midwest Insurance Group (MIG), a member-owned Risk Retention Group focused on healthcare liability, underwrites the program. Need help placing an account? Connect with a market specialist.

MCGOWAN, DONNELLY & OBERHEU, LLC Environmental Professional Liability Insurance Overview of the Program From The McGowan Companies The Environmental Professional Liability Insurance program from The McGowan Companies helps agents and brokers place liability for clients operating in environmental services. Offered through McGowan, Donnelly & Oberheu, LLC — a specialized wholesale broker — the program delivers tailored professional and pollution liability solutions for environmental consultants, contractors, and remediation operators facing complex exposures. You get access to multiple admitted and non-admitted carriers, flexible primary and excess limits, and underwriting that accommodates small local firms up to larger regional operations. The program is available in most U.S. states and is structured to address environmental errors & omissions, pollution consulting exposures, and related management liability risks that standard CGL policies often exclude. Ideal Accounts and Appetite This program fits a wide range of environmental service providers, including: Environmental consultants and site assessors Environmental contractors and remediation firms Crime scene and trauma clean-up services Hazardous material and illegal drug lab remediation Medical waste hauling and disposal companies Mold and water damage restoration firms Oil & gas environmental consultants Radon mitigation specialists You might have a client who performs residential and commercial mold remediation and needs professional liability for improper testing or corrective work. Or you may represent an oil & gas environmental consultant that requires pollution consulting limits and defense coverage during regulatory response—both are typical fits. Coverage Highlights and Advantages The program provides market access and coverage features designed for environmental professionals: Professional and management liability tailored to environmental services Pollution-related errors & omissions coverage for consulting and remediation activities Primary and excess limits to match account size and contract requirements Underwriting flexibility for small operators up to larger regional firms Placement options in admitted and non-admitted markets to solve unique placement challenges These features help fill gaps where standard commercial liability or pollution policies may not address consulting mistakes, design errors, sampling mistakes, or project oversight exposures. Underwriting Notes and Minimum Premiums Underwriting is handled by McGowan’s experienced wholesale team with access to multiple carrier partners. The program evaluates exposures such as scope of services, revenue by service line, project sizes and locations, claims history, and loss control practices. Both primary and excess placements are available, and admitted or non-admitted solutions can be considered based on the risk and jurisdiction. Minimum premiums vary by class, limits, and market selected; the team can advise on competitive structures for small to mid-sized accounts. Territories and Availability The program is available in most U.S. states, including 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, and WY. Why Work With The McGowan Companies on This Business By working with The McGowan Companies through McGowan, Donnelly & Oberheu, LLC you gain a wholesale partner focused on niche environmental liability placements. Benefits include strong carrier relationships, responsive underwriting, and practical placement strategies for accounts with consulting, remediation, or pollution exposures. The wholesale team helps structure terms that reflect operational realities and contract requirements so you can secure appropriate limits and wording for your clients. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for environmental consultants, contractors, mold remediators, hazardous waste cleanup firms, radon mitigation specialists, and similar service providers requiring professional or pollution liability coverage. Is this coverage available on an admitted basis?Yes. Admitted coverage is available in most states; non-admitted options are also used when necessary based on the risk profile and jurisdiction. Can I access both primary and excess limits through this program?Yes. The program offers both primary and excess liability limits to meet contract and client needs. What territories is this program available in?The program is available in most U.S. states, including the contiguous states, Alaska, Hawaii, and Washington, D.C. Who underwrites this program?The program is offered by The McGowan Companies through McGowan, Donnelly & Oberheu, LLC, a wholesale broker that places business with multiple carrier partners. Need help placing an account? Connect with a market specialist.