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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.

Overview — Home Health Care Insurance from AFC Insurance Inc. AFC Insurance Inc. offers a dedicated Home Health Care Insurance program designed for independent agents and brokers who place coverage for skilled and non-skilled home health providers. As a program administrator working with multiple markets, AFC provides placement options across a broad set of states with flexible package and liability solutions to address the exposures common to home health, visiting nurse, hospice, staffing and related services. Ideal Accounts and Appetite This program targets a wide range of home and community care operations, including: Home health care agencies (skilled and non-skilled) Visiting Nurses Associations (VNA) and hospice providers Nurse registries, medical staffing firms, and staffing agencies Programs serving Traumatic Brain Injury (TBI) clients Typical accounts are small to medium sized agencies, operations that use volunteers or independent contractors (endorsements available), and firms that require combined general and professional liability. Appetite is selective for larger or higher-frequency loss operations; underwriters will evaluate staffing models, credentialing and claims history. Key Coverages and Advantages Package policies combining General Liability, Professional Liability and optional Property Endorsements to add Volunteers and Independent Contractors as Insureds Optional Key Employee Replacement Endorsement Extended Coverage Endorsement with Blanket Additional Insured Umbrella/excess liability and Abuse & Molestation coverage Auto coverage available with some restrictions Because AFC works with several carriers, you can often match accounts to differing limits, forms and pricing profiles. The program is geared to help manage clinical exposures, abuse & molestation risk, vicarious liability from contractors and volunteers, and the operational risks of in-home care. Underwriting Notes Underwriting is provider- and operation-specific. Typical submission requirements include a completed application, current loss runs (usually 3–5 years), a description of services offered, staffing and supervision ratios, credentials and background check policies, and copies of contract language for third-party relationships. Minimum premium: Varies by carrier and state. Ineligible or Restricted Operations The program excludes certain operations or places them on a restricted basis. Examples include (but are not limited to): adoption agencies that perform more than 25% of operations, assisted living/senior living facilities, birthing centers, foster care agencies, psychiatric hospitals, correctional facilities, housing authority/public housing operations, operations involving sex offenders or violent youth lockdowns, standalone special events and certain overnight youth programs. Territories and Availability Availability: Most Available States. AFC’s Home Health Care Insurance program is available in the following jurisdictions: 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. Carriers: Varies by account and state; AFC places business across multiple admitted and non-admitted markets as appropriate. Why Place This Business with AFC Insurance Inc.? Program administrator experienced in home health and social services risks. Access to multiple carrier options and endorsements tailored for volunteers and contractors. Flexible package solutions that let you combine professional and general liability with property, auto and umbrella coverages. Underwriting that balances clinical exposure review with practical placement options for small and mid-size providers. Sample Account Scenarios A small home health agency with 10 aides providing ADL assistance and medication reminders. They need general and professional liability with abuse & molestation coverage and an endorsement for independent contractors. This program can provide a package policy with the requested endorsements. A regional hospice organization with visiting nurses and several contract therapists that require blanket additional insured status for contracted services and an umbrella layer. AFC can help place primary liability, professional liability and umbrella capacity across its carrier panel. Frequently Asked Questions What types of accounts are a good fit for AFC’s Home Health Care program?Small to mid-sized home health agencies, nurse registries, VNAs, hospice providers, staffing firms and organizations serving TBI clients are ideal. The program supports operations that need combined general and professional liability and endorsements for volunteers or contractors. Which operations are typically ineligible?Operations such as assisted living facilities, psychiatric hospitals, foster care agencies, correctional facilities, programs managing sex offenders or violent youth lockdowns, stand-alone special events, and adoption agencies with over 25% of operations are generally excluded or restricted. What submission materials help speed placement?Provide a completed application, 3–5 years of loss runs, a narrative of services, staffing and supervision details, credentialing/background check policies, and copies of contracts with any third parties requiring additional insured status. Is coverage available in my state and are admitted options offered?The program is available in most states listed in the Territories section. AFC places business with different carriers, so admitted versus non-admitted availability depends on the state and carrier; underwriting will confirm the best placement for each account. Need help placing an account? Connect with a market specialist.

Program Overview — Amwins Underwriting: Home Health Care & Medical Equipment Suppliers Amwins Program Underwriters offers a tailored program to place property and casualty coverage for home health care agencies, hospice providers, and medical equipment suppliers. With more than 40 years of specialty experience, Amwins combines deep market relationships and focused underwriting to provide broad, practical coverage for this niche. For program details see the carrier product page: property and casualty coverage needs of home health care agencies and hospice and medical equipment suppliers. States / Paper Admitted in all states except NY Available via surplus lines in Miami-Dade and Broward Counties (FL) *DME/ HME providers and distributors are only written on a non-admitted basis. Target Accounts & Appetite This program is designed for agents placing a broad range of home health and medical equipment accounts. Ideal classes include: Home Health Care Agencies / Providers Visiting Nurse Associations (VNA's) Home Infusion Providers Hospice Providers Companion Care Providers Home Medical Equipment Suppliers (with and without retail operations) Unskilled / ADL Providers DME / HME providers to homes and other facilities (Non-Invasive Equipment) Infusion Suites Drug Distributors Equipment Distributors Small Staffing Providers (under $50K in premium, not eligible in AZ, FL, IL, or NM) Accounts with standard patient-facing operations, non-invasive equipment distribution, or limited retail exposure typically fit. Higher-risk exposures (invasive medical procedures, large-scale national distributors with complex supply chains, or facilities with significant owned auto fleets) may be outside the appetite — discuss unique or larger risks with underwriting before submission. Coverage Highlights Professional Liability General Liability (Occurrence and Claims Made options in most states) Employee Benefits Liability (when PL & GL is written) Package policy includes coverage for I.C.’s while working within scope of duties for Named Insured Bodily Injury definition includes mental anguish and mental injury on the CGL Non-Owned & Hired Auto (Owned/Commercial Auto not eligible) Crime or Fidelity Bond (admitted) Sexual Abuse is included within the definition of “Professional Services Wrongful Act” in the policy form Defense costs are generally outside the policy limits on package policy Property (admitted) Excess / Umbrella (when PL & GL is written) Worldwide Coverage (claim must be filed in U.S.) Carriers & Paper The program places paper with A.M. Best "A" rated capacity and additional markets depending on class and state. Representative carriers and paper include: Ironshore Insurance Services (a Liberty Mutual Company) Bond — National Union Fire Insurance (an AIG Company) Property — admitted paper with Liberty Mutual Underwriting Notes DME/HME providers and distributors are handled on a non-admitted basis only. Owned commercial auto is not eligible; Non-owned & hired auto is offered. Sexual abuse exposures are addressed within the professional services wrongful act definition — review operations and screening practices on submission. Defense costs are typically outside the limits on package placements — review policy language for each quote. Minimum premiums and program terms vary by class and state. Please submit ACORD applications, loss runs, and a summary of operations to underwriting to obtain specific pricing and binding guidelines. Territories and Availability This program is available in most states. Availability and admitted vs. non-admitted placement vary by class and state—examples of territories where the program writes business include: 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 Amwins Underwriting on This Business Specialized underwriting with decades of placement experience in the home health and medical equipment niche. Broad package options that combine professional and general liability with property, crime, and excess when appropriate. Access to admitted and surplus markets to help you place accounts that need admitted paper or surplus flexibility. Practical coverage features for patient care exposures (mental anguish inclusion, IC coverage within scope, worldwide coverage with U.S. claims filing). Example scenario: You may have a regional home infusion provider with limited retail operations seeking combined GL/PL with crime and property — this program can provide admitted or surplus options depending on state and exposures. Another fit would be a small home medical equipment supplier selling non-invasive devices with retail pickup — eligible for package placement on admitted or non-admitted paper per underwriting. Frequently Asked Questions What types of accounts are a good fit for this program?Typical fits include home health agencies, hospice providers, visiting nurse associations, home infusion providers, companion care, and home medical equipment suppliers that distribute non-invasive devices. Small staffing providers under the premium threshold may also qualify (see underwriting restrictions by state). How are DME/HME providers treated?DME/HME providers and equipment distributors are generally written on a non-admitted basis only. Retail operations are considered, but admitted vs. surplus placement depends on class, state, and risk characteristics. Is owned commercial auto eligible?No — owned or commercial auto is not eligible with this program. Non-owned and hired auto can be included as part of the package where appropriate. Which states are available and does availability differ by product?The program writes in most states; admitted vs. non-admitted availability varies by class and state. Certain counties in Florida and other state restrictions may apply. Confirm availability with underwriting for each specific submission. What submission materials does underwriting want?Provide a completed ACORD application, recent loss runs, and a concise operations summary describing services, staff levels, retail presence, and any contracting or credentialing processes. Underwriters may request additional documentation for higher exposures. Need help placing an account? Connect with a market specialist.

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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.

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.