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The healthcare team at U.S. Risk Insurance Group, Inc. delivers a practical, agent-friendly Social Services Insurance program designed for the specialized exposures of social service organizations. As a Managing General Underwriter and Excess & Surplus Lines Broker, U.S. Risk combines underwriting expertise with in-house risk management and claims support to provide competitive placement options and responsive service you can rely on when protecting clients in the social services sector. Ideal Accounts and Appetite This program is built for a broad range of social service providers, including: Adoption agencies and foster care programs Group homes and residential facilities (youth, adults, elderly) Home healthcare, hospice, and visiting nurse services Mental health homes and rehabilitation centers (drug & alcohol) Private and charter schools (including schools for the deaf and blind) Nursing homes and long-term care facilities Shelters and therapy programs (wilderness, physical, and speech therapy) Whether you represent a small single-site residential program or a multi-state behavioral health agency, U.S. Risk can help place accounts with complex staffing models, volunteer involvement, regulatory oversight, and client interaction exposures. Example scenarios that often fit the program: a residential treatment facility that relies on volunteers and part-time clinicians, or a hospice provider that needs liability and property protection across several locations while managing professional exposures for visiting nurses. Coverage Highlights and Advantages U.S. Risk’s social services program combines broad insurance features tailored to the industry’s needs. Key elements include: Package options: General Liability, Property, Crime, Inland Marine, Umbrella, and Employers Non-Owned Auto Flat premiums and non-auditable billing where applicable, simplifying placements and renewals Coverage extended to employees, directors, officers, trustees, volunteers, and students while acting on behalf of the organization Commercial General Liability form that includes: Bodily injury and property damage Personal injury Employee benefits liability Products and completed operations Broad definitions for terms important to social services accounts, including "Professional Incident," "Territory," "Named Insured," and "Contractual Liability" Optional coverage for physical abuse and sexual misconduct, available subject to underwriting review Claims-made policy form for professional and liability exposures This structure helps you deliver well-rounded protection for insureds facing operational risks, regulatory scrutiny, and high-contact client services. Underwriting Notes and Minimum Premiums U.S. Risk offers flexible underwriting across most social service classes. Appetite and minimum premiums vary by risk profile and state, but the program’s flat-premium, non-auditable options can simplify placement and billing. Underwriters are available to evaluate unique exposure scenarios, multi-site structures, and optional coverages such as abuse/sexual misconduct limits. Territories and Availability This program is 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. Coverage can be placed through multiple carriers; U.S. Risk works with both admitted and non-admitted markets depending on class and jurisdiction to secure the best fit for your client. Why Work With U.S. Risk Insurance Group U.S. Risk brings niche industry knowledge, hands-on underwriting, and in-house claims and risk management resources. Agents benefit from fast turnaround, direct access to underwriting, and tailored solutions for hard-to-place social services accounts. Partnering with U.S. Risk gives you market breadth (admitted and non-admitted) plus service that helps keep placements smooth from submission through claims handling. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for nonprofit and for-profit social service organizations, including group homes, adoption agencies, home healthcare providers, and residential treatment centers. Is coverage available on an admitted or non-admitted basis?Both options are available depending on the class of business and the state. U.S. Risk works with multiple carriers to find the best fit for your client’s needs. Are volunteers and students covered under this policy?Yes. The policy includes coverage for employees, directors, officers, trustees, volunteers, and students while they are acting on behalf of the organization. What is the policy structure—claims-made or occurrence?The program uses a claims-made policy form, which is common for professional and social services exposures. Is physical abuse and sexual misconduct coverage available?Yes. Physical abuse and sexual misconduct coverage can be added as an option, subject to underwriting review and class-specific underwriting requirements. 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.

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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.

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

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.

...transport vans for residents) Workers’ Compensation (state availability ma...e & Molestation, Property, Auto, and Workers’ Compensation (where available). What underwr...