Search CompleteMarkets

...t access to an extensive panel of workers' compensation markets. Whether you’r... of accounts are a good fit for this Workers Compensation program?We focus on small to mi...

...zes in Medical Temporary Staffing Workers' Compensation Insurance. Our program...n placing medical temporary staffing workers' compensation insurance and to confirm carrie...

...s a comprehensive Home Healthcare Workers Compensation Insurance program tailo... all states?Yes, the Home Healthcare Workers Compensation Insurance program is available ...

Home Health Care Insurance Program from IPMG Insurance Program Managers Group (IPMG) offers specialized access to Home Health Care Insurance markets designed to meet the needs of agencies providing in-home medical and non-medical services. Whether your client operates a large multi-state agency or a smaller local home health provider, IPMG connects you with tailored coverage solutions that help protect their operations and support compliance in a high-risk industry. Ideal Accounts and Appetite This program is well-suited for a wide range of home health care providers, including: Skilled nursing and medical home care agencies Personal care and companion services Home therapy providers (physical, occupational, speech) Hospice and palliative care services You might have a client who provides non-medical caregiving services in multiple counties or a skilled nursing provider expanding into in-home IV therapy—IPMG’s markets can help you place these risks effectively. Coverage Highlights and Advantages IPMG’s program includes a comprehensive suite of coverages designed to address the unique exposures faced by home health care providers. Coverage options include: Professional Liability – Protection against claims of negligence, errors, or omissions in patient care. General Liability – Covers premises and operations exposures, including bodily injury and property damage. Hired and Non-Owned Auto – Provides coverage for employees using personal vehicles for company business. Crime – Safeguards against employee theft and other dishonest acts. Data Breach and Privacy & Security Liability – Addresses HIPAA-related and cyber exposures. Sexual Misconduct Sublimit – Included to address this critical exposure area. Employee Benefits Liability – Covers administrative errors in employee benefits programs. These coverage options allow your insureds to focus on delivering care, knowing their operations are protected from key risks. Underwriting Notes and Minimum Premiums This program is offered on a non-admitted basis through Hiscox, giving greater flexibility in crafting solutions for complex risks. The minimum premium starts at $1,500, making it accessible for a broad spectrum of home care businesses. IPMG’s underwriting team is experienced in health care risks and can help you navigate eligibility and placement quickly. Territories and Availability The Home Health Care Insurance Program is currently available in the following states: Illinois (IL) Indiana (IN) Iowa (IA) Missouri (MO) Why Work with IPMG? As a Managing General Agency and E&S Broker, IPMG brings deep industry knowledge, especially in health care-focused risks. Their specialized team offers responsive service, experienced underwriters, and access to trusted carriers. IPMG empowers agents like you to place challenging home health care accounts with confidence. For more information or to discuss 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 homes. Is this program available on an admitted basis?No, this program is offered on a non-admitted basis through Hiscox, providing flexibility for unique or hard-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?You can reach out to Mike Miller in Illinois or Kristina Freeze in Missouri for underwriting questions or to submit a risk. 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.

... 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 ...

Caitlin Morgan Insurance Services offers a specialized program designed to help agents and brokers place coverage for a wide range of miscellaneous healthcare facilities. With access to various carriers and availability in all 50 states, this program addresses the unique risks found in non-hospital healthcare settings. Whether you're working with a standalone facility or a growing outpatient network, Caitlin Morgan provides the underwriting expertise and market access to support your client's needs. Ideal Accounts and Appetite This program is designed for a broad mix of healthcare-related facilities that typically fall outside traditional hospital or physician office categories. 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 often face complex liability exposures due to the nature of their services and the professionals they employ. The program can accommodate both smaller operations and larger, multi-location practices. Coverage Highlights and Advantages Professional Liability $1M/$3M standard limits available (customized limits on request) Deductibles starting at $0 Minimum premium of $2,500 Coverage available for employed physicians Pure claims-made form with prior acts coverage (broader than claims-made and reported) Defense costs can be inside or outside policy limits General Liability $1M/$3M standard limits available Separate limits for general and professional liability Only offered with professional liability coverage Underwriting Notes and Minimum Premiums The program requires a minimum premium of $2,500, with deductibles starting at $0. Caitlin Morgan can tailor limits and terms to meet unique client needs. Risks are evaluated on a case-by-case basis, with the flexibility to consider a wide range of facility types and operations. Territories and Availability This program is available in all 50 states, including Washington D.C. Caitlin Morgan works with a variety of carriers to secure admitted and non-admitted solutions depending on the client’s location and risk profile. Why Work With Caitlin Morgan Insurance Services? Caitlin Morgan has extensive experience in placing coverage for niche healthcare operations. As a wholesale broker, they offer market access and underwriting insight you can rely on. Their team understands the distinct exposures faced by outpatient and specialized care facilities and works with agents to produce competitive, appropriate solutions for their clients. Whether you're helping a startup telemedicine provider or a well-established dialysis center expand operations, Caitlin Morgan provides support throughout the submission and placement process. 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 is ideal for 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, the program offers professional liability coverage for employed physicians working in the insured facility. Is general liability coverage available as a standalone option?No, general liability is only available when packaged with professional liability coverage under this program. What is the minimum premium for this program?The minimum premium starts at $2,500, with deductibles beginning at $0, depending on the risk profile and coverage selected. In which states is this program available?This program is available in all 50 states and Washington D.C., offering both admitted and non-admitted options based on the specific risk and location. 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.

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.