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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.

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Amwins Underwriting - Healthcare D&O Program Longest-standing D&O program in existence Program highlights: 50+ years in business 20+ years with the same carrier (rated "A++") Available nationwide Limits up to $10M Coverage: D&O EPLI Cyber Primary and excess Target accounts include: Hospital/Health systems Eldercare facilities (SNF, ALF, CCRC) Clinics/Physician groups (all specialties) Behavioral and mental health Ambulatory surgery centers Medical testing facilities Hospice/Home health care Drug/Alcohol dependency facilities Blood/Organ collection center Physical rehabilitation facilities Ineligible accounts: Publicly traded entities Multi-state health care chains HMO/health plans Managed care organizations To learn more about our program, please visit our website. Overview — Amwins Underwriting Healthcare Management Liability Amwins Underwriting’s Healthcare Management Liability Insurance program offers long-standing, admitted capacity for executives and management teams in the healthcare sector. Designed for hospitals, clinics, eldercare providers and other healthcare-focused organizations, the program combines directors & officers (D&O) protection with supplemental coverages such as EPLI and cyber. With 50+ years in business and more than 20 years with the same A++ carrier, this program is positioned to handle routine and complex management liability needs nationwide. Ideal Accounts and Appetite Hospital systems, community hospitals and regional health networks Eldercare providers: skilled nursing facilities (SNF), assisted living (ALF) and continuing care retirement communities (CCRC) Clinics and physician groups across specialties Behavioral and mental health providers, ambulatory surgery centers, testing labs, hospice and home health agencies Smaller non-profit and private healthcare facilities seeking admitted D&O capacity Accounts with stable governance, clear compliance programs, and established risk management practices are a particularly good fit. The program is not intended for publicly traded firms, multi-state health care chains, HMOs, health plans, or managed care organizations. Coverage Highlights & Advantages Primary and excess D&O limits up to $10 million Packageability—add EPLI and cyber cover where appropriate to create a consolidated management liability solution Admitted paper in most states, simplifying procurement and compliance for many insureds Longstanding carrier relationships that support stable pricing and consistent underwriting Underwriting Notes & Minimum Premiums Underwriting focuses on the quality of governance, claims history, regulatory exposure, and the facility’s operational controls. Financial condition and management experience will influence terms and available limits. Minimum premium varies by class, size and state—refer to Amwins Underwriting for specific minimums and submission requirements. Territories & Availability Available in most states, including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI and WY. Positioning is primarily on admitted paper where offered—confirm availability state-by-state for your placement. Why Place This Business With Amwins Underwriting Program longevity and carrier stability that agents can rely on for renewals and continuity Flexible structure—ability to write primary or excess layers and combine EPLI and cyber coverage Dedicated underwriting with healthcare specialty expertise to help place complex or sensitive accounts National footprint that supports regional and single-state healthcare clients Example placements: you might have a 150-bed community hospital seeking admitted D&O limits with EPLI and cyber endorsements, or an assisted living community looking for a consolidated management liability program up to $5M—both are within this program’s typical appetite when governance and controls meet underwriting guidelines. Frequently Asked Questions What types of healthcare accounts are a good fit for this program?Mid-market hospitals, physician groups, eldercare facilities (SNF/ALF/CCRC), ambulatory surgery centers, behavioral health providers, hospice/home health and medical testing facilities that have stable governance and standard compliance practices. Can I bind admitted coverage in my state?The program offers admitted paper in most states. Availability is state-dependent—confirm admitted status for a specific state with Amwins Underwriting prior to binding. Does the program combine D&O with EPLI and cyber?Yes. The program can be structured to include D&O with EPLI and cyber where appropriate, on either a primary or excess basis, allowing you to present a consolidated management liability solution. What accounts are ineligible?Publicly traded entities, large multi-state healthcare chains, HMOs/health plans and managed care organizations are outside the program’s appetite. Where do I submit a deal or get underwriting requirements?Use your usual Amwins Underwriting contact or the program page linked above for submission guidelines and the latest underwriting checklist. Underwriting will request financials, governance information and claims history as part of the standard review. 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.

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.

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Ambulance and Non-Emergency Medical Transportation Insurance Program Responding to our Broker Partners Our Medical Transportation program came about as a result of requests made by our broker partners to fill a gap in the industry. Working with our insurance carrier partners, we developed a specialized insurance program that meets federal, state and local governmental agency requirements—and we offer it to your clients at a competitive rate. Healthcare Facilities Endorsement One of the coverage differentiators brokers use as a selling point is the Healthcare Facilities Endorsement. This professional liability endorsement removes the exclusion for injuries that arise out of loading/unloading patients from motor vehicles, aircraft and watercraft. Eligible Classes Include Emergency Transportation providers such as ambulance services Medical Transportation providers such as wheelchair van transportation services Lines of Coverage Commercial Auto – Physical Damage – Up to $1,000,000 liability – UMC/UIM – Hired/Non-Owned Liability Professional Liability – Up to $1,000,000 each claim/$3,000,000 aggregate – Includes Healthcare Facilities Endorsement – Legal expenses paid outside liability limits – Sexual Misconduct/Abuse coverage included – Emergency Medical Treatment & Labor Act coverage included – Defendant Expense Benefits Commercial General Liability – Up to $1,000,000 occurrence/$3,000,000 aggregate Excess Liability – Up to $10,000,000 Commercial Property Commercial Inland Marine – Portable Equipment Affinity Healthcare is a registered trade name of Affinity Insurance Services, Inc.; (TX 13695); (AR 100106022); in CA, MN, AIS Affinity Insurance Agency, Inc. (CA 0795465); in OK, AIS Affinity Insurance Services, Inc.; in CA, Aon Affinity Insurance Services, Inc., (CA 0G94493), Aon Direct Insurance Administrators and Berkely Insurance Agency and in NY, AIS Affinity Insurance Agency. All descriptions, summaries or highlights of coverage are for general informational purposes only and do not amend, alter or modify the actual terms or conditions of any insurance policy. Coverage is governed only by the terms and conditions of the relevant policy as issued by the insurer.