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... on volunteer caregiving staff Hospices that employ or contract with license...

... and scope: both small community hospices and larger multi-site providers may ...

Amwins Underwriting offers two national workers’ compensation programs designed specifically for healthcare clients. Both programs provide broad workers’ comp solutions for home health, nursing, hospice, assisted living and other healthcare-related operations. Use the links below to review each program’s full product detail: Amwins Program Underwriters’ AmeriComp Healthcare Insurance Program Monoline workers’ compensation for home health, medical staffing, hospice, nursing and other miscellaneous healthcare providers (including surgery centers and labs). Minimum account premium: $10,000. Amwins Specialty Casualty Solutions Healthcare Insurance Program Comprehensive workers’ compensation for home health, nursing and group homes, adult day care, hospice and assisted living. $10,000 minimum premium is required. Overview of the Program Amwins Underwriting markets two targeted workers’ compensation programs that give agents access to admitted and non-admitted capacity for a wide range of healthcare exposures. The programs are underwritten for healthcare-specific operations and emphasize placements where management, staffing and clinical exposures require industry-aware underwriting and claims handling. Carriers include QBE and other admitted/non-admitted markets depending on state and program placement. Ideal Accounts and Appetite These programs are built for agents placing small to mid-sized healthcare accounts with specialized exposures. Typical fits include: Assisted living, retirement centers and continuing care retirement communities Skilled nursing facilities, convalescent homes and nursing homes (note: some restrictions in NY) Home health care providers, visiting nurse agencies and hospice (except NY for certain coverages) Medical staffing firms, nurse registries and infusion therapy providers Doctor’s offices, clinics, community hospitals and associated corporate offices Retail and closed pharmacies, medical equipment suppliers, physical therapy and occupational health providers Clerical and outside sales staff (healthcare-related) Accounts with volunteers and donated labor are accepted but volunteers cannot exceed 15% of total exposure. Coverage Highlights and Advantages Programs tailor workers’ compensation forms and limits for healthcare tasks and clinical exposures. Ability to place monoline workers’ compensation for specialty healthcare classes that many standard markets will not accept. Access to both admitted and non-admitted capacity depending on state and program — useful for difficult-to-place risks. Underwriters with healthcare-specific experience who understand operational risk drivers such as staffing models, patient handling and credentialing. Underwriting Notes and Minimums Minimum account premium: $10,000 for both programs. Provide payroll by class, loss runs, and a brief description of operations (including percentage of clinical vs. non-clinical exposure). Programs are best for accounts with organized clinical oversight and documented hiring/credentialing practices; higher risk, uninsured payroll or unstable staffing histories may require referrals. Certain classes (for example, skilled nursing and hospice) have state-specific restrictions — New York is restricted for some coverages. Territories and Availability Available nationwide. The programs write business 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. Placement may be admitted or non-admitted depending on the state and selected carrier. Why Work With Amwins Underwriting As a managing general underwriter, Amwins Underwriting pairs healthcare-specific underwriting with broad market access, including QBE and other carriers. Dedicated program focus on healthcare workers’ comp reduces time-to-bind for common classes while allowing flexibility for harder-to-place risks. Underwriting teams are familiar with the operational and regulatory nuances of healthcare employers, which helps produce cleaner submissions and faster decisions. Example Client Scenarios You have a regional home health agency with mixed clinical staff and part-time aides: the program’s focus on home health exposures and monoline workers’ comp appetite makes it a strong placement option. You represent an assisted living operator expanding across several states: these programs can provide consistent workers’ comp placement with carriers that understand multi-site healthcare operations. How to Submit Submit payroll by class, recent loss runs and an operations summary highlighting staffing models and clinical oversight. Because minimum premium requirements apply, these programs are intended for accounts that meet the $10,000 threshold. Frequently Asked Questions What types of healthcare accounts are a good fit for these programs?Home health agencies, assisted living, skilled nursing, hospice (except where restricted), medical staffing, clinics, and similar healthcare operations are core targets. Accounts should have documented hiring and clinical oversight. Is coverage available in my state and is it admitted?The programs are available in the full list of states shown above. Coverage may be admitted or non-admitted depending on the carrier and the program; state-specific placement will be confirmed at submission. What is the minimum premium and other key underwriting requirements?Minimum account premium for both programs is $10,000. Provide payroll by class, loss runs, and a description of operations. Volunteers/donated labor cannot exceed 15% of total exposure. Which carriers support these programs?Placement is available with QBE and other admitted/non-admitted markets through Amwins Underwriting. Final carrier availability depends on state and account specifics. How should I prepare a submission to improve placement speed?Include class-level payroll, five years of loss runs (if available), a current operations summary, and details on staffing and credentialing. Clear documentation of clinical supervision and safety programs speeds underwriting review. Need help placing an account? Connect with a market specialist.

...ers, hospital staffing services, hospices, nurse registries, traveling nurse c...ounts include home health agencies, hospices, nurse registries, traveling nurs...

Healthcare Insurance Program A & B Insurance Solutions LLC is a Managing General Agency and Excess & Surplus Lines broker focused on placing complex healthcare risks. We provide agents and brokers with access to multiple carrier relationships and tailored solutions for hard-to-place or specialized healthcare operations. Use this program to place accounts that need flexible underwriting, expanded appetite, or non-standard coverage forms. Ideal Accounts and Areas of Expertise This program is designed for both for-profit and nonprofit organizations across the healthcare spectrum. Our primary focus is on senior living and miscellaneous healthcare providers, including: Senior Living Facilities: Sub-Acute/Rehabilitation Centers Skilled Nursing Facilities Intermediate Care Facilities Assisted Living Communities Independent Living Facilities Continuing Care Retirement Communities (CCRCs) Miscellaneous Healthcare Risks: Hospice Providers Home Healthcare Agencies Medical Staffing Firms Mental Health Facilities Correctional Healthcare Providers Telehealth Services Adult Day Care Centers Coverage Highlights We offer a coordinated package of coverages to address the range of exposures healthcare operations face. Available lines include: General Liability Professional Liability Property Commercial Auto Umbrella/Excess Liability Underwriting and Premium Guidelines The program writes both for-profit and nonprofit entities nationwide. Minimum premium typically starts around $10,000, though final minimums and terms depend on the account’s size, loss history, operations, and desired limits. We work with carrier partners to structure layered programs and may consider package placements for multi-line exposures. Territories and Admitted Status This healthcare program is available in most states, with particularly strong capacity in AL, AR, FL, GA, IL, IN, KY, LA, MA, MI, MN, MO, NJ, NY, and TN. Coverage can be placed through admitted or non-admitted carriers depending on state rules and the risk profile. Why Work With A & B Insurance Solutions LLC A & B Insurance Solutions LLC brings deep healthcare underwriting expertise and market access to help you place complicated or multi-faceted healthcare accounts. Our strengths include: Access to multiple carriers — including E&S capacity — for hard-to-place risks. Experience with senior living and a wide range of ancillary healthcare exposures. Flexible solutions for multi-line placements and layered limits. Guidance on underwriting expectations to improve submission quality and placement speed. Example scenarios where this program fits: You have a regional assisted living operator expanding into multiple states and need a program that will coordinate GL, PL and umbrella limits across locations. You represent a hospice provider with unique professional exposure and want access to carriers that will consider tailored professional liability wording and coverage extensions. Need help placing an account? Connect with a market specialist. Frequently Asked Questions What types of accounts are a good fit for this healthcare insurance program?We focus on senior living operators, home health agencies, hospice providers, medical staffing firms, mental health services, and similar healthcare entities. Both for-profit and nonprofit organizations may qualify depending on operations and loss history. What is the minimum premium for accounts placed through this program?Minimum premium typically starts at $10,000, but it can vary based on account size, scope of coverage, and underwriting details. Is this program available in my state?We offer this healthcare program in most states, with strong availability in AL, AR, FL, GA, IL, IN, KY, LA, MA, MI, MN, MO, NJ, NY, and TN. Placement options depend on the state and specific risk. What lines of coverage can I access through this program?Agents can access General Liability, Professional Liability, Property, Commercial Auto, and Umbrella/Excess options tailored to healthcare operations. Are both admitted and non-admitted options available?Yes. We can place business through admitted carriers where appropriate and through non-admitted/E&S capacity when needed for expanded appetite or unique exposures. Need help placing an account? Connect with a market specialist.

Professional Program Insurance Brokerage (PPIB) offers: Home Health Care Insurance. As a trusted Excess & Surplus Lines Broker with decades of experience, Professional Program Insurance Brokerage (PPIB) provides a comprehensive Home Health Care Insurance program tailored for the unique exposures in the long-term care and caregiving sector. Our specialized insurance solutions are designed to support agents and brokers who need reliable markets for a wide range of health care-related accounts. Overview of the Program From PPIB PPIB offers General Liability, Professional Liability, and Property coverages that address the complex risks in home care and residential care environments. Whether your client operates a large group home or provides one-on-one in-home care, our program offers the flexibility and protection needed to meet regulatory, operational, and client-driven requirements. Ideal Accounts and Appetite This program is built for a wide variety of home and community-based care services. Target classes include: Home Health Care Providers Assisted Living Facilities Independent Living Communities Long-Term Care Facilities Adult Day Care Centers Hospice Care Providers Group Homes and Host Homes Live-in Companions and Sitters Housekeepers and Residence Managers Medical Directors overseeing residential care settings If you're working with a client who manages a small team of caregivers providing in-home assistance to elderly clients, or a facility that offers live-in care for individuals with disabilities, this program may be an ideal fit. Coverage Highlights and Advantages Our Home Health Care Insurance program provides essential coverages, including: Professional Liability – Helps protect against allegations of errors or omissions in care services General Liability – Covers third-party bodily injury and property damage claims Property Coverage – Protects business contents, equipment, and buildings Additional program features may include flexible limits, occurrence or claims-made forms, and optional coverages depending on state and risk profile. Underwriting Notes and Minimum Premiums Underwriting is handled with a practical, responsive approach. While minimum premiums vary based on the specific class and exposure, submissions with complete applications and accurate operational details receive faster processing. Our team understands the nuances of caregiving operations and can help structure coverage to meet your client’s needs. Territories and Availability The program is available in most U.S. states, including CA, TX, FL, NY, WA, and many others. Admitted coverage is available in some states; however, most offerings are on a non-admitted basis through our E&S markets. Please contact us for state-specific availability and terms. Why Work With PPIB? PPIB is known for its deep expertise in niche industries and its commitment to helping retail agents find solutions for hard-to-place risks. By working with us, you gain access to a responsive underwriting team, customizable coverage options, and a broad appetite for home health care and related services. We make it easy to place diverse caregiving accounts with confidence. Contact Professional Program Insurance Brokerage (PPIB) for all your Home Health Care Insurance needs. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for home health agencies, assisted living facilities, group homes, hospice providers, and similar care operations. Is this program available in all states?The program is available in most states, including CA, TX, FL, NY, and others. Availability may vary by coverage type and admitted status. Can I submit accounts with part-time or independent caregivers?Yes, accounts with a mix of full-time, part-time, and independent caregivers are considered. Complete operational details help speed up underwriting. What coverages are included in the program?The program typically includes General Liability, Professional Liability, and Property coverage, with options for additional protections based on need. Who underwrites the policies for this program?PPIB works with a variety of E&S carriers. Admitted options are available in some states, depending on the risk class and location. Need help placing an account? Connect with a market specialist.

...al for home healthcare agencies, hospices, nurse registries, nurse practitione...

... living with HIV/AIDS, including hospices, counseling centers, and community s...

AFC Insurance Inc. offers a specialized Respite Care Insurance program under its Health & Human Services division, designed to support agents and brokers placing coverage for organizations serving vulnerable populations. Respite care services provide temporary relief to primary caregivers of elderly, ill, or developmentally disabled individuals—an essential yet often overlooked part of the care continuum. These services come with unique liability exposures and operational risks that require tailored insurance solutions. Ideal Accounts and Eligible Classes: This program is ideal for insureds offering temporary care or support services to individuals with developmental disabilities, chronic illness, or other special needs. It is structured to accommodate a wide range of organizations, including: Camps (Special Needs, Adventure, or Licensed Summer Camps for the Developmentally Disabled) Respite Care Facilities and Day Programs Hospice Organizations Traumatic Brain Injury (TBI) Programs Organizations operating under ARCs (Associations for Retarded Citizens) Services providing relief for long-term caretakers Whether your client runs a licensed summer program for developmentally disabled youth or operates a respite day facility for seniors with dementia, this program can provide the necessary coverage framework. Coverage Highlights and Advantages: This program offers a comprehensive package of coverages to address the multifaceted risks associated with respite care services, including: General and Professional Liability Package Policies Umbrella Coverage Property and Auto (some restrictions may apply) Abuse & Molestation Coverage Coverage Enhancements including: Volunteers & Independent Contractors as Insureds Optional Key Employee Replacement Endorsement Optional Extended Coverage Endorsement with Blanket Additional Insureds These comprehensive options ensure that your clients are protected against the full spectrum of liability and operational risks inherent in their field. Underwriting Considerations and Minimum Premiums: Minimum premiums vary depending on the size, scope, and nature of the risk. AFC Insurance Inc. evaluates each submission carefully and works closely with agents to identify the best coverage options. Accounts should demonstrate appropriate licensure, staff training, and risk management protocols to be considered. Territories and Availability: This program is available in most states, including but not limited to CA, FL, NY, TX, IL, and WA. See the full list of eligible states for your client placements: 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, WY. Why Work With AFC Insurance Inc.? As a dedicated Program Administrator, AFC Insurance Inc. brings deep expertise in the health and human services sector. With flexible underwriting, access to multiple carrier partners, and a focus on specialized care environments, AFC is an excellent partner for agents placing respite care and related accounts. You’ll benefit from responsive service, knowledgeable underwriters, and a program built to adapt to the evolving needs of care providers. You might have a client running a summer adventure camp for developmentally disabled teens or a nonprofit offering day respite services for Alzheimer’s patients—this program is built to meet their insurance needs with tailored coverages and risk-focused underwriting. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for respite care providers, developmental disability camps, hospice services, TBI programs, ARCs, and nonprofit organizations offering temporary relief to primary caregivers. What coverages are included in the Respite Care Insurance program?The program includes General and Professional Liability, Umbrella, Property, Auto (with some restrictions), Abuse & Molestation, and optional endorsements such as Key Employee Replacement and Blanket Additional Insureds. Is this program available on an admitted basis?Yes, the program is available on an admitted basis in most states where it is offered. Availability may vary depending on the specific risk and location. What is the minimum premium for this program?Minimum premiums vary depending on the size and type of risk. AFC Insurance Inc. evaluates each submission individually to determine appropriate pricing. Which states is this Respite Care Insurance program available in?The program is available in most states, including CA, TX, NY, FL, IL, and more. Please refer to the full list of covered states for complete availability. Need help placing an account? Connect with a market specialist.

Specialty Human Services Insurance Program by Veracity Insurance Solutions Veracity Insurance Solutions, LLC offers a specialized insurance program designed for organizations that deliver human services and improve the well-being of communities. From nonprofit agencies to social service providers, our Specialty Human Services program offers tailored coverage that helps insurance agents place challenging accounts with confidence. With proven experience in the human services sector, Veracity provides creative and flexible insurance solutions that address the unique exposures of over 200 different classes of business. Our program is supported by strong carrier relationships and is structured to help reduce risk, prevent losses, and manage claims efficiently. Ideal Accounts and Appetite This program is an excellent fit for a wide range of community-focused and service-oriented nonprofits and organizations. Common eligible classes include: Substance abuse treatment centers Group homes and halfway houses Counseling centers Adult day care facilities After-school programs and mentoring organizations Community outreach and advocacy groups If you have a client operating a residential facility for at-risk youth or a nonprofit offering behavioral health services, this program is designed to meet their complex needs. Coverage Highlights and Advantages Veracity’s Specialty Human Services program offers robust and comprehensive protection, including specialized coverages that many standard markets may overlook. Available lines include: Property General Liability Inland Marine Business Income Data Compromise Crime & Employee Dishonesty EDP/Computer Equipment Equipment Breakdown Abuse & Molestation Coverage Professional Liability Umbrella/Excess Directors’ and Officers’ Liability These coverages are designed to address real-world exposures, from data breaches to allegations of abuse, ensuring your clients have the protection they need to continue serving their communities. Underwriting Notes and Market Access Our underwriting team works closely with agents to understand the nuances of each insured’s operations. Most business is placed with admitted carriers, giving you and your clients peace of mind and compliance flexibility. We’re able to consider a wide range of account sizes, from small nonprofits to larger regional operations. While we do not list a minimum premium, we encourage you to submit accounts for review—especially those with specialized operations that may not fit standard markets. Territories and Availability The Specialty Human Services program is available in nearly all U.S. states, including but not limited to: CA, TX, FL, NY, IL, PA, and WA. We currently serve organizations in 49 states plus Washington, D.C., offering broad geographic flexibility for multi-state operations or brokers with diverse regional books. Why Work With Veracity Insurance Solutions? Veracity Insurance Solutions is a trusted carrier with deep experience in niche and underserved markets. Our Specialty Human Services program reflects our commitment to supporting community organizations with responsive service, risk management tools, and access to comprehensive coverages. Agents and brokers benefit from our underwriting support and ability to place difficult or unusual risks. Whether you're working with a startup nonprofit or an established behavioral health network, Veracity can help you secure the right protection for your clients. Frequently Asked Questions What types of accounts are a good fit for this program?Our program is ideal for nonprofits and human service organizations such as counseling centers, group homes, adult day cares, and outreach programs serving vulnerable populations. Does the program offer coverage for abuse and molestation claims?Yes, Abuse & Molestation Coverage is available as part of the program to help address high-risk exposures faced by many human services organizations. Is this program available nationwide?The program is available in 49 states and Washington, D.C., offering broad availability across the U.S. Are both small and large organizations eligible?Yes, we can accommodate a range of account sizes, from small local nonprofits to larger regional service providers. Can I submit an account if I’m unsure it fits?Absolutely. Our underwriters are available to review and discuss unique or borderline submissions to determine eligibility. Need help placing an account? Connect with a market specialist.