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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.

Healthcare Insurance Program A & B Insurance Solutions LLC provides specialized insurance solutions for a broad range of healthcare operations. As a Managing General Agency and Excess & Surplus Lines Broker, we offer exclusive access to various carriers, helping agents and brokers place complex or hard-to-insure healthcare risks with confidence. Ideal Accounts and Areas of Expertise Our program is designed for both for-profit and nonprofit organizations across the healthcare spectrum. We focus 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 broad range of coverages tailored to the needs of healthcare providers. Available lines of business include: General Liability Professional Liability Property Commercial Auto Umbrella/Excess Liability Underwriting and Premium Guidelines This program is available to both for-profit and nonprofit organizations operating in all 50 states. Our minimum premium starts at $10,000, although this may vary based on risk characteristics and coverage needs. We work closely with our carrier partners to offer flexible solutions for qualified accounts. Territories and Admitted Status We offer access to 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. Coverage is available through both admitted and non-admitted carriers, depending on the state and risk profile. Why Work With A & B Insurance Solutions LLC With deep expertise in healthcare risk, A & B Insurance Solutions LLC helps agents and brokers place accounts that require specialized underwriting and flexible market access. Whether you're handling a small home health agency or a multi-location senior care facility, we can help you find tailored coverage solutions. You might have a client who is expanding their assisted living operations into multiple states or a hospice care provider with unique liability exposures. We can help you navigate underwriting requirements and place these accounts with confidence. Frequently Asked Questions What types of accounts are a good fit for this healthcare insurance program?We target senior living facilities, home health agencies, hospice providers, medical staffing firms, mental health services, and more. Both for-profit and nonprofit entities are eligible. What is the minimum premium for accounts placed through this program?The minimum premium typically starts at $10,000, but it may vary based on the size and complexity of the risk. Is this program available in my state?Our healthcare program is available in most states, with strong availability in AL, AR, FL, GA, IL, IN, KY, LA, MA, MI, MN, MO, NJ, NY, and TN. What lines of coverage can I access through this program?We offer General Liability, Professional Liability, Property, Auto, and Umbrella/Excess coverage options tailored to healthcare operations. Are both admitted and non-admitted options available?Yes, we provide access to both admitted and non-admitted carriers, depending on the state and specific risk profile. Need help placing an account? Connect with a market specialist.

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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.

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

According to AARP, over 7.8 million individuals currently receive care from more than 83,000 providers and over 44 million informal caregivers. To support this rapidly growing sector, PMC Insurance Group offers a comprehensive Home Healthcare Workers Compensation Insurance program tailored to meet the unique needs of the home healthcare industry. Overview of the Program From PMC Insurance Group PMC Insurance Group is a national program administrator specializing in workers compensation solutions. Their Home Healthcare Workers Compensation Insurance program provides independent agents and brokers with access to top-tier carriers and underwriting expertise. Designed to support the expanding home healthcare industry, this program helps protect employers and their workforce from the high costs of workplace injuries. Ideal Accounts and Appetite This program is built for a wide range of home healthcare-related operations, including both independent and franchise organizations. Target classes include: Home Healthcare Providers VNA (Visiting Nurse Association) Organizations Assisted Living Facilities Homemaker and Companion Care Services Non-Emergency Medical Transportation (NEMT) Hospice and Palliative Care Providers Retirement Communities Whether your client is a startup caregiver service or an established assisted living facility, this program can accommodate a wide range of risk profiles. Coverage Highlights and Advantages Coverage through five nationally recognized insurance carriers Program available in all 50 states plus Washington, D.C. Designed specifically for the risks common to home healthcare and related services Competitive minimum premiums starting at $2,500 for many classes Specialized underwriting tailored to healthcare exposures This program helps protect your clients from common risks such as slips and falls during in-home visits, injuries during patient transport, and repetitive stress injuries from caregiving duties. Underwriting Notes and Minimum Premiums To submit a risk, agents should provide the following: Completed WC ACORD application 3–5 years of currently valued loss runs Current experience modification worksheet Minimum premiums vary by operational class: Most Home Healthcare Classes: $2,500 minimum premium Non-Emergency Medical Transportation: $7,500 minimum premium (availability varies by state) Nursing Homes: $75,000 minimum premium Territories and Availability This is a nationwide program available in all 50 states and Washington, D.C. Admitted options are available across all states, providing flexibility and broader market access for your clients. Why Work With PMC Insurance Group? PMC Insurance Group is a trusted program administrator with deep expertise in workers compensation. Their strong carrier relationships and specialized underwriting make them a reliable resource for agents seeking to write home healthcare accounts. You gain access to a dedicated team that understands the nuances of healthcare-related risks and is committed to helping you place business efficiently and effectively. For more information on our Home Healthcare Workers Compensation Insurance program please visit us at pmcinsurance.com. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for home healthcare providers, assisted living facilities, hospice care services, and non-emergency medical transportation companies. Is this program available in all states?Yes, the Home Healthcare Workers Compensation Insurance program is available nationwide, including all 50 states and Washington, D.C. What are the minimum premium requirements?Minimum premiums start at $2,500 for many classes. Non-Emergency Medical Transportation starts at $7,500, and nursing homes have a $75,000 minimum premium. What information is needed to submit a risk?Agents should submit a WC ACORD application, 3–5 years of valued loss runs, and a current experience mod sheet. Can both independent and franchise operations apply?Yes, the program is open to both independent businesses and franchise organizations in the home healthcare and related sectors. Need help placing an account? Connect with a market specialist.

... facilities Laboratories Hospices and surgical centers Managed car...

...inics and health departments Hospices (more than 9 beds) Medical labor...nters, imaging labs, sleep clinics, hospices (with more than 9 beds), and univ...