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Home Health Care Insurance Program from IPMG Insurance Program Managers Group (IPMG) provides targeted access to Home Health Care Insurance markets for agents who place in-home medical and non-medical service providers. Whether you're working with a multi-state skilled nursing agency or a local personal care provider, IPMG connects you to tailored E&S solutions designed to address the specific operational and professional exposures of home-based care. Ideal Accounts and Appetite This program fits a broad range of home care operations, including: Skilled nursing and licensed medical home care agencies Personal care, companion and homemaker services Home-based therapy providers (physical, occupational, speech) Hospice and palliative care providers Typical placements include agencies providing personal care across multiple counties, therapy companies delivering services in clients’ homes, and skilled providers expanding into services such as in-home IV therapy. Accounts with clear hiring and supervision practices, documented policies, and basic risk management are generally preferred. Coverage Highlights and Advantages IPMG’s Home Health Care program pairs underwriting expertise with a comprehensive coverage package to protect common exposures for home care providers. Key coverages include: Professional Liability – Defense and indemnity for alleged negligence, errors, or omissions in patient care. General Liability – Premises and operations protection for bodily injury and property damage arising from day-to-day services. Hired and Non-Owned Auto – Coverage for employees using personal vehicles on company business. Crime – Protection for losses from employee theft and related dishonest acts. Data Breach & Privacy/ Security Liability – Coverage for HIPAA-related incidents and cyber/privacy exposures. Sexual Misconduct Sublimit – Acknowledges and addresses a sensitive exposure area common to home care. Employee Benefits Liability – Coverage for administrative errors in benefit programs. These options give your insureds practical protection across professional, general, cyber, and employee-related risks so they can focus on care delivery. Underwriting Notes and Minimum Premiums The program is placed on a non-admitted basis through Hiscox, offering placement flexibility for unique or harder-to-place risks. Underwriters favor accounts with documented policies, clear staff credentialing, reasonable visit limits per caregiver, and basic loss-control practices. The minimum premium for eligible accounts starts at $1,500. For agencies with higher limits, multi-state operations, or significant professional exposure, IPMG’s underwriting team can structure broader solutions—contact underwriting to discuss specific scenarios and appetite exceptions. Territories and Availability Current availability: Illinois (IL), Indiana (IN), Iowa (IA), and Missouri (MO). Coverage is written through E&S markets and may not be available on an admitted basis in these states. Why Work with IPMG? As a Managing General Agency and E&S broker, IPMG specializes in health care risk and provides responsive underwriting, timely submissions, and access to a trusted carrier (Hiscox) for this line. Their healthcare division understands the operational nuances of home care and helps agents place both routine and complex accounts efficiently. Example scenarios that fit well: A mid-sized home health agency expanding into in-home infusion services that needs professional liability plus cyber/privacy protection. A regional personal care company with employees using personal vehicles to transport clients who needs hired/non-owned auto and crime coverage. For underwriting questions or to submit a risk, contact: Mike Miller (IL) Director - Healthcare Division (630) 485-5850 [email protected] Kristina Freeze (MO) Underwriter (314) 293-9704 [email protected] Frequently Asked Questions What types of accounts are a good fit for this Home Health Care Insurance program?Ideal accounts include both medical and non-medical home health care providers, such as skilled nursing agencies, personal care aides, and therapy service providers operating in clients’ homes. Is this program available on an admitted basis?No. This program is offered on a non-admitted (E&S) basis through Hiscox, which allows flexibility for unique or harder-to-place risks. What states is the program available in?The program is currently available in Illinois, Indiana, Iowa, and Missouri. What is the minimum premium for this program?The minimum premium for eligible accounts starts at $1,500. Who can I contact to get a quote or learn more about placing business?Reach out to Mike Miller for Illinois accounts or Kristina Freeze for Missouri underwriting questions and submissions. Need help placing an account? Connect with a market specialist.

Your Workers Compensation Market for Assisted Liv... What’s the minimum premium for this workers compensation program?The minimum premium sta...

... agents and brokers placing large workers’ compensation accounts in the human ...imum premium requirement?The minimum workers’ compensation premium to qualify for the prog...

...ers, hospital staffing services, hospices, nurse registries, traveling nurse c... liability, property, D&O, auto, workers’ comp, umbrella, and third-party ...

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.

Caitlin Morgan Insurance Services offers a focused program to help agents and brokers place coverage for a wide range of miscellaneous healthcare facilities. With access to multiple carriers and availability in all 50 states, this program addresses the distinct liability and operational risks found in non-hospital healthcare settings. Whether the account is a single-location specialty clinic or a multi-site outpatient network, Caitlin Morgan provides underwriting expertise and market access to help secure appropriate solutions. Ideal Accounts and Appetite This program targets healthcare-related facilities that typically fall outside traditional hospital or physician-office classifications. Examples of target facilities include: Diagnostic Radiology Weight Loss Dialysis Substance Abuse Bariatrics Women's Health Cancer Research Outpatient Care Community Health Surgi-Centers Fertility Medical Spas Lasik Hospice Birthing Centers Blood/OPO/Tissue Banks Disease Management Pharmacies/Drug Wholesalers Medical Rehabilitation Dental Clinics Telemedicine Prescription Benefit Management Companies These facilities frequently face complex liability exposures because of the procedures performed and the variety of professionals on staff. The program accommodates both smaller single-site operations and larger, multi-location practices, with flexibility to consider diverse specialty mixes. Coverage Highlights and Advantages Professional Liability $1M/$3M standard limits available (higher limits considered) Deductible options starting at $0 Minimum premium typically starts at $2,500 Coverage available for employed physicians Pure claims-made form with prior acts coverage (broader than claims-made-and-reported) Defense costs available either inside or outside policy limits General Liability $1M/$3M standard limits available Separate limits for general and professional liability General liability is offered only when packaged with professional liability under this program Underwriting Notes and Minimum Premiums The program generally requires a minimum premium of $2,500; deductibles can begin at $0 depending on the carrier and risk profile. Underwriters evaluate each submission on its individual exposures, including services provided, staffing, procedures performed, location, and claims history. Caitlin Morgan can tailor limits and endorsements to meet unique client needs where markets will allow. Territories and Availability This program is available in all 50 states, including Washington D.C. Caitlin Morgan works with a range of admitted and non-admitted carriers to secure solutions appropriate to the client’s location and risk characteristics. Why Work With Caitlin Morgan Insurance Services? As a wholesale broker with deep experience in niche healthcare programs, Caitlin Morgan provides market access and underwriting insight agents can rely on. Their team understands the exposures of outpatient and specialized care facilities and works directly with producers through the submission and placement process. Example fits you might see: you may have a client operating a multi-site dialysis and outpatient infusion practice that needs professional liability with employed-physician coverage; or a startup telemedicine provider requiring professional liability limits and tailored prior acts protection. In both situations Caitlin Morgan can help package the right markets and policy forms. Contact: Linda WinzenreadP: (800)723-7475, Ext.241 [email protected] Frequently Asked Questions What types of accounts are a good fit for this program?This program fits outpatient centers, specialty clinics, and healthcare service providers such as diagnostic labs, dialysis centers, medical spas, and substance abuse treatment facilities. Can employed physicians be included in the coverage?Yes. Professional liability coverage can include employed physicians working in the insured facility, subject to underwriting review. Is general liability coverage available as a standalone option?No. General liability under this program is only offered when packaged with professional liability coverage. What is the minimum premium for this program?The program’s minimum premium typically starts at $2,500. Final premiums depend on the facility’s operations, limits, and carrier terms. In which states is this program available?This program is available in all 50 states and Washington D.C., with admitted and non-admitted options used as appropriate for the risk and location. Need help placing an account? Connect with a market specialist.

...and local health departments Hospices (more than 9 beds) Medical labor... non-admitted (surplus lines) basis. Workers’ compensation is available on an admitted bas...

Significant expertise and underwriting infrastructure are essential when it comes to insuring crisis centers and similar social service organizations. NIF Group Inc. offers a tailored Crisis Centers Insurance program designed specifically for nonprofits, mental health facilities, and social service providers that deliver critical services to vulnerable populations. Agents working with these accounts need insurance solutions that go beyond basic coverage—and NIF Group delivers that with comprehensive protection and program flexibility. This program provides vital liability protection for the organization, its employees, and volunteers. Policies can be structured to extend coverage to independent contractors, healthcare professionals, and others involved in delivering services. Whether your client operates a small local crisis hotline or a multi-location behavioral health facility, NIF Group can help protect their mission and operations. Ideal Accounts and Program Appetite The Crisis Centers Insurance program is built for a wide range of nonprofit and social service providers, including: Community crisis hotlines Suicide prevention centers Domestic violence shelters and support centers Mental health counseling facilities Behavioral health and addiction recovery programs Accounts with volunteer staff, onsite counseling, outreach programs, and mobile services are all eligible considerations. Organizations with healthcare providers on staff or contractual medical professionals can also be accommodated under the professional liability options. Coverage Highlights and Advantages NIF Group’s package policies offer broad, customizable coverage to meet the unique risks associated with crisis and social services operations. Standard coverages include: General liability insurance Professional liability, including healthcare liability Property insurance Auto liability and physical damage Boiler and machinery Crime insurance Umbrella/excess liability Optional enhancements are available to address more specialized exposures: Employee benefits liability Equipment breakdown Sexual/physical misconduct coverage Directors & Officers (D&O) for nonprofits, with EPLI Coverage can be tailored to match the operational structure—whether your client relies heavily on volunteers, contracts with outside counselors, or employs medical personnel directly. Underwriting Notes and Minimum Premiums Minimum premiums vary based on account size, services provided, and coverage selections. NIF Group’s underwriters are experienced in evaluating nonprofit and healthcare-related risks and can work with agents to structure appropriate and competitive terms. Loss control support and claims expertise are also key parts of the offering, helping your clients manage risk and respond effectively when incidents occur. Territories and Availability This program is available in nearly all U.S. states, with the exception of Hawaii and Louisiana. Coverage can be written on an admitted basis where available. States include CA, TX, FL, NY, IL, PA, and most others—see the full list for specific state availability. Why Work With NIF Group Inc.? NIF Group Inc. is a trusted program administrator with deep experience in the nonprofit and human services space. Their specialized underwriting knowledge, broad market access, and responsive service make them a valuable partner for agents placing crisis center and social services accounts. You can rely on NIF Group to help you navigate complex exposures and deliver tailored coverage solutions that protect your clients and support their mission-driven work. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include nonprofit crisis centers, counseling facilities, suicide prevention hotlines, domestic violence shelters, and behavioral health organizations. Can this program cover medical professionals working with the organization?Yes, the program can be structured to include professional liability for employed or contracted medical personnel, including counselors and healthcare providers. Is volunteer staff covered under this policy?Yes, volunteers are commonly included in the policy, and coverage can be customized to account for their roles and responsibilities. What is the minimum premium for this program?Minimum premiums vary depending on the size and scope of the organization, as well as selected coverages. Contact NIF Group for underwriting details. In which states is this program available?The program is available in most U.S. states, except Hawaii and Louisiana. It is offered on an admitted basis where applicable. Need help placing an account? Connect with a market specialist.

Crisis Centers Insurance Program from AFC Insurance Inc. AFC Insurance Inc. offers a specialized Crisis Centers Insurance program designed to support organizations that provide vital emergency and advisory services to individuals in distress. This program is part of AFC’s broader Social & Human Services Insurance offerings, built to address the complex risk profiles of nonprofits and community-focused organizations. Whether your client operates a 24/7 crisis hotline, a walk-in mental health facility, or a rehabilitation program, this insurance solution is designed to deliver comprehensive protection tailored to their services. AFC Insurance Inc. serves as a Program Administrator, giving agents and brokers access to competitive coverage options through a variety of carriers. Ideal Accounts and Target Classes This program is best suited for organizations that offer urgent or ongoing crisis support services, including but not limited to: Mental Health Care Facilities Domestic Violence Programs and Shelters Alcohol & Drug Rehabilitation Centers Suicide Prevention Programs and Hotlines You might have a client who runs a nonprofit crisis center offering emergency counseling and temporary housing. Or perhaps a regional behavioral health organization providing outpatient services and referral hotlines—these are the kinds of accounts that fit well within this program’s appetite. Coverage Highlights and Advantages The program offers a robust range of coverages that respond to the unique exposures found in crisis intervention services. Available coverages include: Package Policies General Liability and Professional Liability Abuse & Molestation Coverage Umbrella Liability Property and Auto Coverage (with some restrictions) Coverage Endorsements for Volunteers and Independent Contractors Optional Key Employee Replacement Endorsement Optional Extended Coverage Endorsement with Blanket Additional Insureds These features help agents provide peace of mind to clients who rely on a mix of paid staff, volunteers, and third-party providers to deliver critical community services. Underwriting Notes and Minimum Premiums Minimum premiums vary depending on class, size of operations, services provided, and location. AFC Insurance works with agents to understand the nuances of each submission, aiming for efficient underwriting and tailored solutions. Accounts with strong risk management practices, documented procedures, and staff training are especially desirable. Territories and Availability This 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. The program is admitted in most of these states, though availability and restrictions may vary by location and class. Why Work With AFC Insurance Inc.? AFC Insurance Inc. brings deep expertise in the social and human services sector, with a long-standing commitment to helping community-based organizations secure the right protection. As a program administrator, AFC offers access to multiple carriers and flexible underwriting approaches. Their team understands the unique challenges that crisis centers face and can help you deliver responsive, well-rounded insurance solutions to your clients. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for crisis centers, mental health facilities, domestic violence shelters, suicide prevention hotlines, and substance abuse treatment programs. Are volunteers and independent contractors covered?Yes, the program includes endorsements that allow for coverage of volunteers and independent contractors as insureds. Is Abuse & Molestation coverage included?Yes, Abuse & Molestation coverage is available as part of the program, helping protect against serious liability exposures in crisis care environments. In which states is the program available?The Crisis Centers Insurance program is available in most states across the U.S., including CA, NY, TX, FL, and many others. Availability may vary by state and class. What is the minimum premium for this program?Minimum premiums vary by type of account, size of operation, and coverage needs. AFC Insurance Inc. evaluates each submission individually to determine pricing. Need help placing an account? Connect with a market specialist.

Veracity Insurance Solutions, LLC offers a focused Allied Health Insurance program that helps agents and brokers place hard-to-insure risks across a broad range of medical, health, and social service sectors. As a Managing General Agency and Excess & Surplus Lines broker, Veracity leverages deep carrier relationships to provide flexible policy structures and competitive terms tailored to each client’s operations and exposures. This program is designed for accounts that often sit outside the appetite of standard markets. Whether you represent a small outpatient clinic, a regional home health agency, a medical spa, or a larger senior care operation, Veracity can help you navigate complex exposures and secure appropriate general liability, professional liability, and property coverages. Target Classes: All miscellaneous medical and healthcare facilities Adult Day Care Centers Urgent Care Clinics Weight Loss and Nutrition Clinics Senior Living with Pull Cord Exposures Halfway Houses and Group Homes Independent and Assisted Living Facilities Medical Spas and Outpatient Facilities Foster and Adoption Agencies Emergency and Non-Emergency Medical Transport Home Health and Hospice Providers Long-Term Care and Intermediate Care Facilities (excludes Skilled Care in AZ, CA, FL, NV) Social Service and Staffing Agencies Coverage Highlights: Available in all 50 states General Liability and Professional Liability options Property insurance availability Sexual Misconduct and Physical Abuse coverage where applicable Medical Practitioner Liability Flexible terms and competitive pricing Minimum premiums vary by class and exposure Why Work With Veracity Insurance Solutions? Veracity is a go-to market for difficult-to-place allied health and medical risks. With access to multiple carriers across admitted and non-admitted markets, our underwriting team tailors solutions to the operation size, services offered, and specific risk profile. We focus on placement solutions for accounts other markets may decline, and we work closely with agents to structure terms that match the insured’s exposures. Typical scenarios that fit well in this program include a regional home health agency expanding into multiple states that needs both general and professional liability, or a new medical spa offering a mix of aesthetic and minimally invasive treatments seeking practitioner liability and premises coverage. These accounts often face licensing, procedure, and staffing-related exposures—Veracity’s carrier access and product flexibility help you manage those challenges. Underwriting and Minimum Premiums Underwriting evaluates each submission to align coverage with the client’s services, staffing, location, and loss history. Minimum premiums vary by class and state; contact Veracity’s underwriting team for specific guidance. We are competitive on accounts that require combined general and professional liability and welcome complex or unique operations for review. Availability This Allied Health program is available nationwide, including Washington, D.C. Because Veracity places business in most available markets, you will typically have options whether you need admitted or surplus lines capacity. Frequently Asked Questions What types of accounts are a good fit for this program?This program is suited for allied health, medical, and social service operations that are hard to place in standard markets—examples include urgent care clinics, home health agencies, medical spas, group homes, and social service agencies. Can I submit accounts located in any state?Yes. Veracity’s Allied Health program is available in all 50 states, including Washington, D.C. Does this program cover both general and professional liability?Yes. The program offers both general liability and professional liability, and can include optional property coverage and endorsements such as sexual misconduct and physical abuse where appropriate. Are there any states where coverage is limited or restricted?Skilled-care facilities and certain higher-risk skilled nursing operations are not eligible in AZ, CA, FL, and NV. Most other classes are broadly eligible nationwide; specific restrictions depend on carrier appetite and state regulations. What is the minimum premium for this program?Minimum premiums vary by class, state, and exposure. Reach out to Veracity’s underwriting team for class-specific minimums and placement options. Need help placing an account? Connect with a market specialist.