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...s Periodontists Endodontists Oral and Maxillofacial Surgeons It is espe...ice after a license suspension, or an oral surgeon with a strong clinical hist...

Fiduciary Liability Insurance & ERISA The Employee Retirement Income Security Act of 1974 (ERISA) creates broad fiduciary responsibilities for anyone who designs, sponsors, administers or manages employee benefit plans. Employers, plan administrators, plan committees and individual fiduciaries can face claims arising from pension and welfare plans, including 401(k)s, profit-sharing plans, medical and life benefits, scholarship programs and prepaid legal plans. Common allegations we see on Fiduciary Liability accounts include: Errors during plan mergers, terminations or asset transfers Negligent administration or procedural mistakes Inadequate or inaccurate plan disclosures Allegations of imprudent investment of plan assets Failure to pursue or collect delinquent contributions Claims based on lack of due diligence in selecting or monitoring service providers Other miscellaneous fiduciary breach allegations Alexander J. Wayne & Associates, Inc. offers both standalone Fiduciary Liability policies and D&O package options that include fiduciary coverage—delivered as a wholesale broker with access to all major U.S. carriers and Lloyd’s of London (domestic and London open market). Overview — Program from Alexander J. Wayne & Associates, Inc. As a wholesale broker, Alexander J. Wayne & Associates places Fiduciary Liability Insurance for plan sponsors, administrators and fiduciaries who need ERISA-focused protection. We work with admitted and non-admitted markets to find solutions for straightforward and complex single-employer plans, multiple-employer plans and third-party administrators. Ideal Accounts and Appetite Private and public employers that sponsor 401(k), pension, profit-sharing and welfare plans Plan administrators, boards of trustees and named fiduciaries seeking fiduciary error defense Third-party administrators (TPAs) and recordkeepers with clear controls and documented procedures Taft-Hartley funds and multi-employer plans with standard governance practices We typically consider accounts with documented governance, regular investment monitoring, and up-to-date plan disclosures. Accounts with ongoing litigation, significant asset miss-management or material regulatory violations may require special underwriting and placement strategies. Coverage Highlights and Advantages Standalone fiduciary forms or packaged with Directors & Officers coverage for broader protection Access to competitive markets, including Lloyd’s capacity for large or complex placements Underwriting tailored for ERISA exposures—focus on plan governance, investment oversight and sponsor practices Flexible limit and deductible structures depending on risk characteristics Underwriting Notes and Submission Tips Provide the following to speed placement: current plan documents, recent Form 5500s, summary plan descriptions, investment policy statements, fiduciary training records and details on any prior or pending claims. Highlight documented procedures for monitoring investments and selecting service providers. If you have an account with recent plan mergers, terminations or suspicious asset transfers, disclose those early in the submission—those items materially affect terms and market selection. Territories and Availability This program is available through Alexander J. Wayne & Associates in the following states and territories: 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. We place both admitted and non-admitted coverage depending on the risk and client needs. Why Work With Alexander J. Wayne & Associates, Inc.? Wholesale broker relationships with major U.S. carriers and Lloyd’s of London for broad capacity Experience placing ERISA and fiduciary risks across a wide range of industries and plan sizes Responsive underwriting advocacy to secure appropriate forms and competitive terms Options for standalone fiduciary policies or combined D&O/Fiduciary placements Example scenarios You have a mid-size employer sponsoring a 401(k) and a small defined benefit plan that needs standalone fiduciary limits and ERISA defense—this program can access carriers that are comfortable with mixed-plan portfolios. You represent a TPA seeking fiduciary coverage for third-party administration services with documented controls—markets through Alexander J. Wayne can consider package placements or standalone forms. Frequently Asked Questions What types of accounts are a good fit for this Fiduciary Liability program?Plan sponsors (401(k), profit-sharing, pension), plan administrators, TPAs and boards of trustees with documented governance and investment oversight are ideal. Taft-Hartley and multi-employer plans with regular reporting are also considered. Do you offer standalone fiduciary coverage or only package placements?We offer both. Alexander J. Wayne places standalone Fiduciary Liability policies and D&O package policies that include fiduciary coverage, depending on market appetite and the client’s needs. Which states and markets are available?The program is available in 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. We place with major U.S. carriers and Lloyd’s of London across admitted and non-admitted markets. What key documents should I include with a submission?Include plan documents, Form 5500s, summary plan descriptions, investment policy statements, records of fiduciary training and any prior claim history to speed underwriting and improve placement options. Need help placing an account? Connect with a market specialist.

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Comprehensive Property Coverage Solutions from MAXIMUM MAXIMUM provides a flexible, market-driven Property program for agents and brokers placing standard and hard-to-place commercial property risks. Through access to more than 40 competitive E&S and standard markets and over $95MM in total property premiums placed, MAXIMUM delivers layered capacity and creative policy options for high-value, complex and CAT-exposed accounts. Ideal Accounts and Appetite This program fits accounts that need specialized underwriting, broad capacity, or non-standard forms. Typical classes include: All-Risk — Unique Classes Airports Large municipal schedules School boards Food processing facilities Water service districts Metalworking operations Manufacturing Risks Plastic injection molding Sheet metal fabrication Woodworking shops Paper and cardboard manufacturing Older, unprotected construction with high PML or non-sprinklered buildings Large Real Estate and Apartment Schedules Apartment complexes Office buildings Vacant commercial properties Hospitality Risks Restaurants and hotel groups — including single-location operations Capacity up to and exceeding $250MM for CAT-exposed portfolios Coverage Highlights and Advantages MAXIMUM’s Property program is designed to handle high-value and CAT-exposed risks. Key options include: CAT Perils / Difference in Conditions (DIC) Earthquake and flood coverage available nationwide Targeted CAT capacity for high-exposure areas such as California, the New Madrid zone, and the Western U.S. Over $250MM of combined earthquake capacity available within PML structures DIC forms available for apartments, offices, studios, and manufacturing facilities Flood provided on DIC forms in Zones A/V, excess of NFIP Coastal Windstorm Coverage Available on All-Risk or DIC basis Offered standalone or as part of a larger schedule Deductible buy-down options Suitable for apartments, condos, hotels, and industrial buildings Underwriting Notes and Market Access MAXIMUM operates exclusively through retail agents and brokers and places this program on a non-admitted basis to preserve flexibility in forms and capacity. You gain strategic access to 40+ top-tier carriers across E&S and standard markets, enabling layered placements and tailored terms for complex risks. Minimum premiums vary by risk size, location, and exposures; MAXIMUM focuses on accounts that benefit from customized underwriting and multi-carrier capacity. Territories and Availability The program is available to licensed agents and brokers in all 50 states, including high-hazard CAT zones and urban centers. Whether you’re placing a property schedule in California, a manufacturing risk in the Midwest, or a hospitality portfolio in the Southeast, MAXIMUM can help secure appropriate markets and capacity. Why Work With MAXIMUM? As a wholesale broker with deep property expertise, MAXIMUM offers responsive underwriting, broad market access, and practical placement strategies for tough risks. The program is built for agents who need solutions for unusual classes, high PMLs, vacant or older buildings, and multi-location schedules. Example scenarios where MAXIMUM is a good fit: You have a client with a large apartment schedule that includes vacant units and buildings without full sprinkler protection — MAXIMUM can coordinate layered capacity and DIC options to address coverage gaps. You’re placing a food processing plant or metal fabrication shop with elevated PML exposure — MAXIMUM can source specialized terms and earthquake/flood capacity to complete a placement. To place business, connect with MAXIMUM’s market specialists and leverage their carrier relationships and underwriting experience to find solutions for complex property needs. Frequently Asked Questions What types of accounts are a good fit for this program?Large, complex, or hard-to-place property risks — for example, manufacturing facilities, apartment schedules, municipal portfolios, and buildings in CAT zones. Is coverage available for properties in high-risk CAT zones?Yes. MAXIMUM offers earthquake, flood, and windstorm coverage, including targeted CAT capacity for areas such as California and the New Madrid zone. Can you write vacant or unprotected buildings?Yes. The program has appetite for vacant properties and older, unprotected construction, particularly when the account needs layered capacity or DIC solutions. Are these policies written on an admitted basis?No. Placements are non-admitted to provide greater flexibility in forms, underwriting, and layered capacity strategies. Which states is this program available in?This property program is available nationwide — all 50 states — including high-hazard CAT zones and major urban centers. Need help placing an account? Connect with a market specialist.

Employee lawsuits can be devastating to a business—they can be inconvenient, costly, and time-consuming. Employment-related claims continue to rise across the United States, posing a significant threat to businesses of all sizes—especially small and mid-sized companies that may lack the resources to defend against such claims. Whether it's allegations of discrimination, harassment, wrongful termination, or violations of workplace laws, employers need protection. With Employer Practices Liability Insurance (EPLI) from Alexander J. Wayne & Associates, Inc., insurance agents and brokers can help their clients manage this growing exposure. Our comprehensive EPLI program is designed to safeguard businesses against the financial and reputational damage that can stem from employee lawsuits. Ideal Accounts and Appetite We work with a wide variety of businesses across all industries. This program is a strong fit for: Small to mid-sized businesses with 5–500 employees Privately held companies or nonprofits Clients with prior employment practices policies or new to EPLI coverage Accounts with a commitment to formal HR practices and workplace policies You might have a client in retail, hospitality, healthcare, or professional services who recently terminated an employee and is concerned about potential claims. This program can help protect them from the legal and financial fallout. Coverage Highlights and Advantages Our EPLI program includes broad, flexible protection to address the evolving risks of the modern workplace. Coverage features include: • Third Party Liability • Discrimination • Wrongful Termination • Defense Costs Outside the Limits • No Intentional Acts Exclusion • Internet and Email-Related Employment Acts • Coverage for Retaliation, Demotion, Failure to Promote, Wrongful Discipline, and more • Violations of the Family Medical Leave Act (FMLA) • Extension of Coverage for Lawful Spouses • Broad Definition of Harassment, including Sexual Harassment • Free Employment Practices Hotline – Unlimited Calls, No Time Limits • FLSA Sublimit Underwriting Notes and Minimum Premiums Premiums for this program start as low as $1,500, making it accessible for a wide range of clients. The application process itself provides valuable insights for businesses looking to improve their internal employment practices—even before binding coverage. We offer flexible underwriting and access to most major insurance markets writing EPLI, including but not limited to ACE USA, Beazley, CNA, Chartis, Allied World, Axis, and more. Territories and Availability This program is available in all 50 states and Washington, D.C., giving you nationwide reach for your clients. Whether your client is in California, Texas, New York, or a smaller market, we can help you find the right EPLI solution. Why Work With Alexander J. Wayne & Associates, Inc. As a leading wholesale broker with deep expertise in EPLI and professional liability, Alexander J. Wayne & Associates, Inc. is your go-to partner for hard-to-place or specialized employment practices risks. We provide responsive service, expert guidance, and access to top-tier carriers—ensuring you get the best coverage options for your clients. Let us help you offer peace of mind to your commercial clients by protecting them from today’s complex employment risks. Frequently Asked Questions What types of accounts are a good fit for this EPLI program?Small to mid-sized businesses across various industries—especially those with 5 to 500 employees—are ideal for this program. We also work with nonprofits and privately held companies. Which states is this program available in?This Employer Practices Liability Insurance program is available in all 50 states and Washington, D.C. What carriers do you work with for EPLI coverage?We have access to a wide range of top-rated carriers, including ACE USA, Beazley, CNA, Chartis, Allied World, Axis, and many others. Is there a minimum premium requirement?Yes, the minimum premium for this EPLI program typically starts at $1,500, though this may vary based on the account. Does the program include any value-added services?Yes, the program includes a free employment practices hotline with unlimited calls and no time limits, providing added value to your insureds. Need help placing an account? Connect with a market specialist.

Employment Practices Liability Program from America's Internet Brokers, Inc. America's Internet Brokers, Inc. (AIB) offers a robust Employment Practices Liability (EPL) insurance program designed to help agents and brokers place coverage for a wide range of small to mid-sized businesses. With a focus on accounts with up to 250 employees, this program is an excellent solution for clients seeking protection against employment-related claims such as wrongful termination, harassment, discrimination, and retaliation. Ideal Accounts and Appetite This EPLI program is suitable for a broad range of industries and professional groups. Target classes include: Hospitality enterprises — including motels, hotels, restaurants, and fast-food establishments Franchise groups — retail and service-based operations Auto dealerships Associations and trade organizations Municipalities and public entities Professional service firms and industry-specific groups Design and construction professionals If you have clients in these sectors looking for comprehensive EPLI coverage, this program offers flexible underwriting to accommodate a range of risk profiles. Coverage Highlights and Advantages This program offers occurrence-based EPL coverage with options to meet a wide range of business needs. Key features include: Coverage limits available up to and above $2,000,000 Occurrence basis rather than claims-made — providing long-term protection for covered events Access to specialized risk management services for qualified accounts Direct billing to insureds by the carrier for added convenience Whether your client operates a small franchise or a growing professional service firm, this program provides the support and flexibility needed to manage EPL exposures. Underwriting Notes and Minimum Premiums AIB underwrites this program in partnership with AIG, offering non-admitted coverage to give agents more placement flexibility. Loss runs are required prior to binding. Minimum premiums vary based on policy structure and limits: $3,000 minimum for short-term policies with limits of $2,000,000 or less (occurrence basis) $5,000 minimum for annual policies with limits of $2,000,000 or less (occurrence basis) $7,500 minimum for annual policies with limits above $2,000,000 (occurrence basis) Keep in mind that customized pricing and services may be available for qualified, larger accounts. Territories and Availability This Employment Practices Liability program is available in most U.S. states, including but not limited to: CA, TX, FL, NY, IL, GA, CO, WA, and NJ. The full list includes over 45 states, giving you the ability to serve a wide range of clients across the country. Why Work With America's Internet Brokers, Inc.? With deep expertise in specialty commercial insurance, AIB connects agents and brokers with tailored solutions for niche markets. Their EPL program, underwritten by AIG, combines flexible underwriting, comprehensive coverage terms, and responsive service. For agents looking to place EPLI coverage with a trusted, experienced wholesale broker, AIB delivers both carrier access and underwriting insight. For example, you might have a client who operates a multi-location restaurant franchise with 150 employees — this program can provide the EPL protection they need, along with risk management support to help prevent claims. Or perhaps you work with a mid-sized construction design firm — this program offers occurrence-based coverage that aligns well with their exposure timeline. Frequently Asked Questions What types of accounts are a good fit for this EPLI program?The program is ideal for businesses with up to 250 employees in sectors such as hospitality, franchises, auto dealerships, professional services, municipalities, and trade associations. Is coverage provided on an occurrence or claims-made basis?This Employment Practices Liability program is written on an occurrence basis, which can offer broader protection for your clients. What are the minimum premium requirements?Minimum premiums start at $3,000 for short-term policies and $5,000 for annual policies with limits of $2,000,000 or less. Higher limits have a $7,500 annual minimum. Do you need loss runs to bind coverage?Yes, loss runs are required prior to binding coverage for all accounts. Which states is this program available in?The program is available in most states, including CA, TX, FL, NY, IL, GA, and many others — over 45 states in total. Need help placing an account? Connect with a market specialist.

Overview — Employment Practices Liability from Preferred Concepts LLC Preferred Concepts LLC provides access to Mercator Risk Services’ markets for Employment Practices Liability (EPL) — offering coverage options for employment accounts of many types and sizes across the U.S. EPL responds to growing exposures such as sexual harassment, wrongful termination, discrimination in hiring, and other employment-related acts that can generate defense costs, settlements, and judgments. Why this program This program gives agents access to specialty EPL capacity and underwriting expertise through Mercator Risk Services. Coverage forms and pricing vary by carrier and account profile, but the program is designed to offer broad coverage at competitive pricing for many small- and medium-sized employers. Preferred Concepts can help place routine EPL risks as well as more challenging or unusual accounts. Ideal accounts and appetite Small to mid-sized employers across many industries — professional services, retail, hospitality, light manufacturing, medical/dental practices, nonprofits and staffing firms. Organizations looking for broad EPL coverage and help with risk management and defense coordination. Hard-to-place or distressed accounts that have employment-related exposures but may be able to place with specialty markets. Coverage highlights and advantages Coverage for a wide range of employment-related claims including discrimination, harassment, wrongful termination and related legal defense costs. Multiple market options — Various carriers available — that allow you to match attachment points, limits and endorsements to client needs. Availability of standard limits appropriate for many small and mid-size organizations, with flexible deductibles and limit structures depending on the carrier and account. Underwriting and risk management support from Mercator’s specialty lines resources for defense strategy and loss control. Hard to Place: Mercator Risk Services also handles hard-to-place, distressed, and unusual EPL accounts. Tell Preferred Concepts about your client’s situation and they’ll work with Mercator’s underwriting team to provide options and guidance for placement. Underwriting notes and submission guidance Underwriting typically focuses on factors such as company size (employees and payroll), claims and litigation history, documented employment practices (handbooks, policies, training), and the nature of the workplace. Premium and terms vary significantly with exposure and class. Agents should be prepared to provide an employment practices application, loss run information, and details on HR policies when submitting a risk. Territories and availability This program is available in: 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, WV, WI, WY. Availability and specific carrier appetite can vary by state and account. Why work with Preferred Concepts LLC on EPL Access to Mercator Risk Services’ specialty EPL markets and underwriting expertise through a wholesale broker relationship. Experience placing both standard and difficult EPL risks, with guidance on risk management and paperwork to improve placement prospects. Multiple carrier options so you can seek competitive terms and limits for your client’s unique exposures. Example accounts that often fit A professional-services firm with 25–150 employees seeking a standalone EPL policy and guidance on HR best practices. A small healthcare clinic with a prior employment claim that needs a market willing to evaluate mitigations and current HR procedures. For more information, call (860) 527-9717 or send an e-mail to [email protected]. You can get additional information on applications and Specialty Lines insurance information on Mercator’s website www.mercatorpro.com. Frequently Asked Questions What types of accounts are a good fit for this EPL program?Small- and mid-sized employers across a wide range of industries are the primary targets, including firms in professional services, healthcare practices, retail, hospitality and nonprofits. The program also considers hard-to-place accounts when appropriate underwriting and mitigations are in place. What underwriting information will I need to submit?Be ready to provide an employment practices application, current loss runs, employee count or payroll, and documentation of HR policies or training programs. Prior claims and how they were resolved are a key factor in pricing and placement. Can Preferred Concepts place accounts with prior employment claims or higher exposures?Yes. Preferred Concepts works with Mercator to handle distressed or unusual accounts. Each submission is evaluated case-by-case and may require additional risk management steps or specific endorsements. How do I get a quote or start a submission?Submit the required application and loss runs to your Preferred Concepts wholesale contact; they will route the submission to the appropriate Mercator markets and provide guidance on additional information needed for underwriting. Need help placing an account? Connect with a market specialist.

Employment Practices Liability Insurance Program from First Choice Insurance Intermediaries, Inc. First Choice Insurance Intermediaries, Inc. offers a focused Employment Practices Liability Insurance (EPLI) program to help agents place coverage for clients facing the growing risk of employee-related lawsuits. As a wholesale broker with access to multiple markets, First Choice can offer flexible solutions—either stand-alone EPLI policies or endorsements to a Business Owners Policy (BOP)—depending on carrier appetite and the insured’s needs. Ideal Accounts and Appetite This program is aimed at small to mid-sized employers across a variety of industries, particularly accounts that have recently increased headcount or are adding managers and supervisors. Target classes include: Professional offices (law, accounting, consulting) Retail businesses Light manufacturing and distribution Healthcare and social service providers Hospitality and food service operations You might have a client who just expanded from a sole proprietor to a 15–50 employee shop, or a restaurant that added seasonal managers—both are ideal times to introduce EPLI protection. Coverage Highlights and Advantages EPLI under this program protects insureds against a broad range of employee-related claims, including: Sexual harassment Discrimination Wrongful termination Breach of employment contract Negligent evaluation Failure to employ or promote Wrongful discipline Deprivation of career opportunity Infliction of emotional distress Mismanagement of employee benefit plans Policies typically provide defense costs coverage even if the employer is not found liable—an important benefit since defense expenses can be substantial. Standard exclusions often include punitive damages, civil or criminal fines, and matters covered by workers’ compensation or other specific policies. Underwriting Notes and Deductibles Submit applications 30–45 days before the current policy expiration to allow for proper market placement. Deductibles normally follow the package deductible when EPLI is written as part of a package; minimums for stand-alone EPLI generally start at $1,000. Premiums are determined by business class, number of employees, prior EPLI claims, and the presence of employment practices policies (handbooks, training, investigation procedures). Premium financing is available to help insureds manage cost. High-severity loss history, ongoing employment litigation, or industries with regulatory exposure may face more limited market options or require higher retentions. Territories and Availability This EPLI program is available in the following states: AL, CA, CO, CT, DE, FL, GA, IL, IN, KS, LA, MD, MA, MI, MO, NV, NJ, NM, NY, NC, OH, OR, PA, SC, TN, TX, VA, WA, and WI. Admitted coverage is available in select jurisdictions—contact First Choice for admitted/non-admitted availability by state and for any state-specific requirements. Why Work With First Choice Insurance Intermediaries, Inc.? First Choice specializes in connecting agents with multiple EPLI markets and underwriting partners, which helps you find competitive terms for a broad range of small to mid-sized employers. Their wholesale broker model focuses on fast placement, underwriting collaboration, and tailoring solutions to each client’s exposure profile. Whether your client is hiring supervisors for the first time, has a prior employment claim on file, or simply wants to reduce litigation risk, First Choice can help you secure appropriate limits, terms, and endorsements. Frequently Asked Questions What types of accounts are a good fit for this EPLI program?Small to mid-sized businesses in professional services, retail, healthcare, hospitality, and light manufacturing are strong candidates—especially when they have employees or plan to expand their workforce. Can EPLI be written as a stand-alone policy?Yes. Depending on carrier availability and the risk profile, EPLI can be placed as a stand-alone policy or issued as an endorsement to a BOP. Are legal defense costs covered even if the employer is not found liable?Yes. Policies in this program typically cover legal defense costs regardless of the outcome, which can help protect clients from sizable defense expenses on meritless or marginal claims. What information is needed to submit an application?Submit applications 30–45 days before policy expiration. Typical requirements include business details, number of employees, prior EPLI claims, copies of employment manuals or policies, and information about training and investigation procedures. Is premium financing available for this program?Yes. Premium financing is available to help insureds manage the cost of coverage. 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.