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

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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.

M.J Hall & Company now offers Residential Living Facilities Insurance! M. J. Hall and Company, Inc., a wholesale Excess & Surplus Lines broker, places tailored liability and professional liability coverage for residential living facilities across Alaska, Arizona, California, Hawaii and Nevada. We provide markets for Personal Care Homes, Independent Living facilities, Assisted Living (including memory care/Alzheimer’s), and select Skilled Nursing accounts. Program overview Our Residential Living Facilities Insurance program combines professional liability and general liability capacity from various A&S carriers. Coverage is designed to address the unique exposures of resident care, billing and privacy risks, staffing issues and allegations of abuse or neglect. We can place occurrence-form general liability and a range of optional enhancements to match facility operations and risk profiles. Ideal accounts and appetite Personal care homes, assisted living and independent living facilities of small to medium size. Memory care/Alzheimer’s units where the operator maintains documented policies and staff training. Selected skilled nursing facilities with straightforward medical services and manageable resident acuity. Accounts with robust staffing practices, formal policies for medication and resident care, background checks, and loss-control documentation fit best. Applicants that routinely provide high-acuity hospital-level care or complex tertiary medical services may be referred or declined. Coverage highlights and advantages Professional Liability and General Liability available. Optional coverages—and endorsements—include Claims Expenses (Defense Outside Limits), Hired & Non-Owned Auto Liability, Sexual Misconduct, Billing Errors, Disciplinary Proceedings, Employee Benefits Liability, Employee Theft, Evacuation Expense, First Dollar Defense, HIPAA, Legal or Media Expense, Privacy Reimbursement, Punitive Damages and TRIA. General Liability can be written on an occurrence form, which is attractive for long-term exposure management. Access to multiple E&S carriers through M.J. Hall’s wholesale relationships, which helps find capacity for harder-to-place risks. Underwriting notes Underwriters focus on resident acuity, staffing ratios and training, written policies (medication, restraint, infection control), background screening, and documented risk management. Loss history, alleged incidents, regulatory actions, and any licensing or disciplinary issues are key factors in pricing and term decisions. Copies of policies and procedures, claims run-lists, and current payroll/occupancy information speed review and improve placement options. Territories and placement This program is offered through Excess & Surplus Lines placements and is available in AK, AZ, CA, HI and NV. We work with a variety of carriers to provide flexible solutions where admitted markets may be limited. Why place this business with M.J. Hall & Company Wholesale E&S broker with focused access to carriers writing residential care risks. Ability to package professional and general liability coverages with optional endorsements tailored to facility exposures. Responsive underwriting intake and guidance on risk-improvement steps that improve acceptance and terms. Example scenarios You might have a 40-bed assisted living community with a dedicated memory care wing seeking combined professional/general liability and HIPAA/privacy protection—this program can be quoted with sexual misconduct and disciplinary proceeding coverage options. Or a family-owned independent living facility looking for occurrence-form GL and employee theft limits to protect resident funds could be a good fit for our markets. Our agents are ready to review submissions and discuss risk placement strategies for your residential living facility clients—contact M.J. Hall to start a submission. Frequently Asked Questions What types of accounts are a good fit for this program?Small to medium-sized personal care homes, assisted living and independent living facilities, plus memory care units. Select skilled nursing facilities with limited high-acuity medical services may also qualify. Facilities should have documented policies, staff training and basic loss-control practices. Which coverages and optional endorsements are available?The program offers Professional Liability and General Liability (occurrence form available) with optional endorsements such as HIPAA/privacy reimbursement, sexual misconduct, disciplinary proceedings, billing errors, employee theft, hired/non-owned auto, first dollar defense and more. Availability varies by carrier and state. Is this placed on an admitted or non-admitted basis?Coverage is placed through Excess & Surplus Lines (non-admitted) markets. We write business in AK, AZ, CA, HI and NV using our carrier panel. What underwriting information should I include with a submission?Provide current applications, facility policies (medication, infection control, restraints), staff training and background check procedures, occupancy and payroll, and a 5-year loss run or claims summary. Complete information helps expedite quotes and uncovers opportunities for favorable terms. 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.

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Overview — Access E&S Insurance Services: Home Healthcare Providers Professional/General Liability Access E&S Insurance Services offers a specialized excess & surplus lines placement program for home healthcare providers seeking Professional and General Liability coverage. This program is designed for agents who need flexible underwriting for in-home care operations that may not fit admitted market appetite. With access to various carriers and markets, Access E&S helps independent agents place accounts in AZ, CA, CO, NV, TX and WA. Who this program is built for Private-duty and companion care agencies Home health aides and personal care attendants Skilled home nursing and LPN/RN services Home infusion and medication administration services (select risks) Hospice support, palliative care, and post-acute in-home care Ideal Accounts and Appetite This program targets insureds that deliver clinical and non-clinical services in the client’s home and require both professional liability (medical malpractice/errors & omissions) and general liability protection (premises, operations, bodily injury). Ideal accounts typically have: Established procedures for medication administration and infection control Background checks and training programs for caregivers Moderate payroll and patient census appropriate for in-home operations Loss histories without frequent or high-severity professional liability verdicts Accounts with aggressive risk management and documented clinical oversight are strong candidates. The program can accommodate harder-to-place classes that need E&S solutions, but it is less likely to accept accounts with active regulatory investigations, repeated severe claims, or unmanaged high-risk services. Coverage Highlights and Advantages Combined Professional (E&O) and General Liability solutions tailored to home care exposures Non-admitted placement options through E&S markets when admitted coverage is unavailable Flexible limits and endorsement options to align with contract requirements and facility agreements Underwriting that considers clinical protocols and documented quality controls, not just loss count Access to multiple carriers to improve chances of placement for complex or high-exposure risks Underwriting Notes and Minimum Premiums Underwriters evaluate staffing ratios, caregiver training, screening practices, clinical oversight, and written policies for medication/error prevention. Useful submission items include: Currently valued loss runs (preferably 3–5 years) Sample caregiver training and screening protocols Policy and procedure manuals for clinical care and infection control Revenue or payroll breakdown by service type Minimum premium: Varies by carrier and state. Because Access E&S places business across multiple markets, minimums are determined per-carrier and per-risk; provide a complete submission to obtain accurate pricing. Territories and Availability Availability: AZ, CA, CO, NV, TX, WA. This program is offered primarily through excess & surplus lines markets; some admitted options may be available depending on carrier and state regulatory allowances (Most Available Markets). Coverage availability and terms vary by state. Why Work With Access E&S on Home Healthcare Business Wholesale E&S broker expertise focused on hard-to-place professional and general liability risks Access to multiple carriers to increase placement success for nuanced in-home care operations Underwriters experienced with the clinical and operational exposures unique to home health Practical submission guidance to speed review and provide clearer quotation outcomes Example scenarios: You have a midsize private-duty agency that provides skilled nursing and home infusion in two states and needs professional liability plus GL limits to satisfy hospital partner contracts — this program can evaluate clinical controls and pursue E&S carriers when admitted options are limited. You represent a companion-care agency with a recent minor medication error but strong corrective action and training documentation — Access E&S can present the loss context and risk controls to multiple markets for placement consideration. Frequently Asked Questions What types of home health accounts fit this program?This program fits private-duty agencies, skilled home nursing, hospice support, companion care, and some home infusion risks that can demonstrate training, background screening, and written clinical protocols. High-severity or actively regulated accounts are usually not a fit. Is this admitted or non-admitted coverage?Access E&S primarily places through excess & surplus (non-admitted) markets when admitted options are unavailable. Some admitted solutions may be accessible depending on carrier and state; availability is determined per submission (Most Available Markets). What submission materials speed up placement?Provide current loss runs, payroll or revenue by service, copies of caregiver screening and training policies, and your client’s infection control/medication administration procedures. Complete submissions receive faster and more accurate quotes. Need help placing an account? Connect with a market specialist.

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.