https://completemarkets.com/company/Amwinsunderwriting/Long-Term-Care-Facilities/
Amwins Underwriting offers two targeted long-term care facilities insurance programs that provide comprehensive professional and general liability solutions for a wide range of senior living operations. Use these programs to place skilled nursing, assisted living, independent living and other long-term care placements that need market capacity, flexible retentions and industry-specific underwriting.
Overview of the Programs from Amwins
The Amwins programs combine underwriting expertise with tailored coverage options for long-term care facilities. Agents can submit accounts to either:
Amwins Program Underwriters' Long-term Care Facilities program — a broad facility program for single-site and multi-location operators; or
Amwins Specialty Casualty Solutions' Long-term Care Facilities Risk Retention Group (RRG) program — an RRG option for eligible long-term care operators with higher minimum premiums and program-specific retentions.
Ideal Accounts and Appetite
Skilled nursing facilities and nursing homes
Assisted living and memory-care units
Independent living and residential care facilities
Senior housing and continuing care retirement communities (CCRCs)
For-profit and not-for-profit operators, from single locations to larger organizations with multiple sites
Typical fit: accounts with at least 20 beds (Amwins Program Underwriters requirement), organized clinical and risk-management programs, and exposure profiles that match the program limits and retention structures. Accounts with complex, high-severity exposure or regulatory concerns should be discussed with underwriting before submission.
Coverage Highlights and Advantages
Primary professional and general liability limits up to $1,000,000 per claim / $3,000,000 aggregate (higher limits and excess/umbrella layers available).
First-dollar coverage through higher self-insured retentions considered, allowing flexible retention structures.
RRG program includes professional + general liability at $1,000,000 / $3,000,000, employee benefit liability, sexual abuse liability, sub-limits as needed, corridor deductibles and claims-made options.
Excess umbrella capacity up to $5 million for qualifying accounts through the primary program.
Underwriters experienced with long-term care exposures and regulatory trends—practical placement guidance for agents who manage senior care books.
Underwriting Notes and Minimum Premiums
Amwins Program Underwriters: Minimum premium = $25,000. Account-level minimums apply; multi-location organizations are considered based on aggregate beds and loss experience.
Amwins Specialty Casualty Solutions (RRG): Minimum premium = $50,000. RRG submissions typically require a more detailed underwriting package and review of historical loss runs and risk-control practices.
Self-insured retentions start at $25,000 and can be higher; corridor (inner aggregate) retentions and other structured retentions are available in the RRG program.
Coverage form: both occurrence and claims-made features may be available depending on the program and placement; confirm with underwriting on submission.
Territories and Availability
These programs write business across a broad set of states. Availability includes: 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. Confirm state-by-state eligibility and any admitted/non-admitted requirements with underwriting prior to submission.
Why Work With Amwins on Long-Term Care Business
Specialized underwriting teams focused on long-term care exposures and senior housing operations.
Flexible limits, retentions and excess capacity to match diverse client needs.
Programs designed to handle multi-location accounts and a range of organizational structures (for-profit and non-profit).
Practical placement guidance for agents: clear appetite, minimums and documentation expectations to speed underwriting decisions.
Example submissions that fit well
You might have a regional assisted living operator with three locations (total >50 beds) seeking $1M/$3M primary limits and an umbrella — the primary program can provide limits and excess capacity with structured retentions.
You might place a single-site skilled nursing facility with strong risk-control programs that prefers an RRG solution and is prepared for a $50,000 minimum premium and a higher self-insured retention.
Frequently Asked Questions
What types of accounts are a good fit for Amwins' long-term care programs?Accounts that fit include skilled nursing, assisted living, independent living, residential care and senior housing—both for-profit and not-for-profit. The primary program typically requires at least 20 beds; the RRG targets larger or more sophisticated accounts that can meet its minimums and retention structures.
What are the minimum premiums and typical retentions?The Amwins Program Underwriters' program has a minimum premium of $25,000. The Amwins Specialty Casualty Solutions RRG program has a minimum premium of $50,000. Self-insured retentions generally start at $25,000 and can be higher; corridor deductibles and other structured retentions are available depending on the program.
What limits and coverages are available?Primary limits are commonly $1,000,000 per occurrence / $3,000,000 aggregate. Excess/umbrella capacity up to $5 million is available through the primary program. The RRG includes professional + general liability, employee benefit liability and sexual abuse liability, with sub-limits and claims-made options as needed.
Which states can I place with these programs?These programs write in a broad range of 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). Always confirm state eligibility and any admitted/non-admitted conditions with underwriting before submission.
Need help placing an account? Connect with a market specialist.
https://completemarkets.com/company/Amwinsunderwriting/Inland-Marine-Contractors-Equipment/
Inland Marine — Contractor's Equipment (Amwins Program Underwriters)
Amwins Program Underwriters, part of the Amwins Underwriting division, offers an Inland Marine program for Contractor's Equipment under the direction of industry veteran Heather Frain. This program is designed for agents and brokers who need admitted paper, flexible scheduling, and expanded ancillary coverages for construction and trades equipment.
Overview of the Program
The program writes coverage on 100% U.S. admitted paper for contractor's equipment, which removes E&S tax considerations and typically speeds processing for your insureds. The underwriting philosophy is “service-above-all,” emphasizing partnership and quick, pragmatic responses to submissions.
Ideal Accounts and Appetite
Street and road contractors
Building and general contractors
Sewer, water, and cable contractors
Excavation, paving, and grading contractors
Municipal risks and public works contractors
Artisan and specialty trade contractors
Logistics and warehouse operations with material-handling equipment
Typical fits are contractors and trades that maintain owned or scheduled equipment, rent or lease equipment to/from others, or require specific inland marine coverages such as rigger's liability or waterborne transit. Cranes are eligible when included on a schedule with other contractor's equipment (no blanket single-crane-only accounts that would trigger boom/overload exclusions).
Coverage Highlights and Advantages
Admitted paper for all placements — simpler premium reporting and faster processing.
Low entry point: programs accept accounts with a low minimum premium (example: $1,000).
Schedule-based contractor's equipment coverage with options to add:
Leased or rented FROM / TO others
Waterborne coverage for specified transit risks
Rigger's liability
Rental cost reimbursement and continuing rental/lease payments
Bailees coverage where required
Underwriting flexibility for mixed-fleet schedules (light equipment, heavy equipment, and cranes on the same policy).
Focused service—from quote to policy issuance—guided by a dedicated underwriting team.
Underwriting Notes and Minimums
Minimum premium: competitively low (the program advertises a low minimum premium of $1,000).
Cranes: acceptable when part of a broader equipment schedule; confirm no boom/overload exclusion applies for the account.
Submissions should include a current equipment schedule, values, loss history, and any rental/leasing arrangements.
Additional coverages (rigger’s, bailees, waterborne) are available by endorsement—request specifics on a per-submission basis.
Territories and Availability
This program is available in the following jurisdictions: AL, AK, AZ, AR, 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 Place Contractor's Equipment with Amwins Program Underwriters
Managing General Agency capability with admitted paper—good for agents who prefer admitted markets for inland marine placements.
Service-focused team led by an experienced underwriter (Heather Frain) familiar with contractor operations and equipment exposures.
Flexible endorsements and ancillary coverages help you tailor policies to real-world contractor exposures (rental arrangements, transit, rigger’s liability, etc.).
Faster processing and clearer premium handling because policies are on U.S. admitted paper.
Agent Examples
You might have a municipal water contractor with a mixed fleet (excavators, backhoes, and one crane) who needs scheduled equipment coverage plus continuing rental reimbursement while equipment is repaired — this program can package those coverages on admitted paper.
A regional paving contractor that rents and leases equipment to subcontractors could benefit from leased-from/to coverages and low minimum premium entry point to keep the account cost-effective.
To learn more about our Inland Marine program, please visit our website.
Frequently Asked Questions
What types of contractor accounts are the best fit for this program?Accounts with scheduled contractor's equipment—such as excavators, loaders, backhoes, and support equipment—are ideal, especially contractors who need admitted paper and optional coverages like rigger’s liability, waterborne transit, or rental cost reimbursement.
Are cranes eligible on this program?Yes. Cranes are eligible when included as part of a broader equipment schedule with other types of contractor's equipment. Underwriters will review for any boom or overload concerns—single-crane-only submissions may require additional details.
What submission materials should I include to get a prompt quote?Provide a current equipment schedule with values, make/model/year, the insured’s operations description, loss history for the past 3–5 years, and details about any leased or rented equipment. Note desired endorsements (rigger’s, waterborne, rental reimbursement) up front.
Is this program available nationwide?The program is available in the list of states shown on this storefront. Coverage is on admitted paper in those jurisdictions—confirm state availability for the insured’s location prior to submission.
What is the program’s minimum premium and service approach?The program offers a low minimum premium (example: $1,000) and emphasizes a service-above-all approach—focused underwriting, practical endorsements, and faster processing because policies are written on U.S. admitted paper.
Need help placing an account? Connect with a market specialist.