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LawGold, part of Amwins Program Underwriters, offers E&O insurance coverage for law firms with 1-40 attorneys. Overview of the Program From Amwins Underwriting Amwins Underwriting’s LawGold program provides professional liability (Lawyers E&O) designed specifically for small law firms and solo practitioners. The program is geared to firms that need tailored E&O protections, flexible optional enhancements, and access to admitted paper in many states. Coverage is issued through Amwins Program Underwriters and underwritten with an emphasis on straightforward risks and clean or minimal loss histories. Ideal Accounts and Appetite Solo attorneys and small law firms of 1–40 attorneys. Clean or minimal prior loss history; some affirmative consideration for firms with limited, well-managed prior claims. Solo attorneys or at least one partner should have been admitted to practice for at least two years. Practices without extensive high-exposure specialties (e.g., mass torts, large transactional platforms, or frequent class actions) are the best fit. Coverage Highlights and Advantages Professional liability (errors & omissions) limits appropriate for small law firms. Electronic media liability included to address risks from online communications and content. Worldwide coverage available for professional services, subject to policy terms. Predecessor firm coverage to protect newly merged or reorganized practices. Optional coverages to broaden protection, including: Separate limit for claims expenses Client identity theft coverage Broadcasters liability Career coverage Trustees liability coverage Gramm-Leach Bliley Act (GLBA) coverage Lateral hire coverage Underwriting Notes Underwriting focuses on the firm’s practice areas, claims history, attorney experience, and risk management controls. Expect underwriters to ask for: Prior acts and loss history details Resume or biography for principals/partners showing admission dates and experience Information on firm procedures for conflicts, client intake, and data security when optional cyber/identity products are requested Firms with significant or recurrent malpractice claims, high-volume transactional work, complex litigation exposures, or specialty practices outside the program’s appetite may be declined or referred to excess/non-program markets. Territories and Admitted Status The LawGold program is available in all U.S. states and Washington D.C. Amwins offers admitted coverage in select states. Admitted coverage is available in: AL, AZ, CO, FL, GA, IL, IN, KS, MA, MI, MO, NE, NV, NC, OH, PA, TX, UT, and WV. Non-admitted or excess options may be available in other jurisdictions—confirm state placement options with Amwins underwriting. Example Accounts That Fit This Program A two-attorney family law firm with clean prior history seeking a policy that includes electronic media coverage and optional client identity theft protection. A solo transactional attorney admitted for five years looking for admitted paper in their state and predecessor coverage after a recent firm name change. Why Work With Amwins Underwriting on Lawyers E&O Program-focused underwriting tailored for small law firms and solo practitioners. Admitted paper in many states combined with optional enhancements that let you tailor protection to the client’s exposures. Simple eligibility guidelines that help agents place straightforward risks quickly. Access to Amwins’ broader distribution and program resources when accounts need placement support or endorsement tailoring. For additional program details, application instructions, and submission requirements, refer to the LawGold product page: Click here for additional details about our LawGold program. Frequently Asked Questions What types of accounts are a good fit for LawGold?LawGold targets solo attorneys and law firms with 1–40 attorneys that have clean or minimal loss histories and at least one partner or solo attorney admitted for two or more years. Routine practice areas and firms without frequent high-exposure litigation are ideal. Is admitted coverage available?Yes. Amwins offers admitted LawGold coverage in select states (including AL, AZ, CO, FL, GA, IL, IN, KS, MA, MI, MO, NE, NV, NC, OH, PA, TX, UT, and WV). Availability varies by state—confirm with underwriting at submission. What optional coverages can I add for a client?Options include a separate limit for claims expenses, client identity theft coverage, broadcasters liability, career coverage, trustees liability, GLBA coverage, and lateral hire coverage. Availability depends on underwriting and the client’s exposures. What information does underwriting typically require?Underwriters generally request prior acts/loss history, resumes or admissions dates for principals, descriptions of practice areas, and details on firm risk controls—especially if optional cyber/identity protections are requested. How should I submit a deal or get more information?Submit via your usual Amwins placement channels or contact the Amwins Underwriting team for guidance on eligibility, admitted availability by state, and submission checklists. Need help placing an account? Connect with a market specialist.

DealerGuard - Auto Dealer's Open Lot For over 30 years, DealerGuard from Amwins Underwriting has provided open-lot physical damage coverage tailored to franchised and large independent auto dealers, associations, and finance company floorplans. The program pairs targeted underwriting with consultative service, loss-control support, and nationally recognized claims administration to protect inventory parked on dealer lots. Sweet spot Franchised auto dealers or large independent auto dealers Low demo/employee ratio (<10%) Low loss ratio (<30% current year; <40% prior three years) 5+ years in operation (franchised); 3+ years in operation (independent) Eligible risks - Franchised automobile dealers. Typical operations include sales of new and used vehicles, with incidental maintenance, service, and repair. Minimum account premium is $10,000. - Dealer Open Lot coverage may be written in conjunction with Manufacturer and Floorplan coverage. Ineligible risks - Auto (daily or weekly) rental operations - Boat dealers Coverage highlights Dealer's Open Lot Available for “non-floored only” accounts when required. Inventory protection can be extended to motorcycle and bus dealers. Parametric Parametric hail coverage is available for dealers in high-weather-risk zones where traditional terms can be difficult to secure. Other coverages available (separate policies) - Pollution and Underground Storage Tank Services & claims - Loss control and consultative services - Claims management provided by a nationally recognized third-party administrator - Dedicated, client-focused service team Underwriting notes & minimums Amwins Underwriting operates this program as a non-admitted market focused on larger dealer accounts. The program’s minimum account premium is $10,000. Underwriters look for stable operations, clean loss histories, and strong on-lot controls. Typical requirements include a completed DealerGuard application and currently valued loss runs (current year plus four prior years). Submission requirements - Completed DealerGuard application - Currently valued loss runs (current plus four prior years) - Franchised dealers: page one of the most recent month-end financial statement for each franchise/dealership - Non-franchised dealers: detailed inventory listing for all vehicles Please send submissions to: [email protected] Territory & carrier Available in: AL, AK, AZ, CA, CT, DE, FL, GA, ID, IL, IN, KY, LA, ME, MD, MA, MI, MN, MS, MT, NV, NH, NJ, NM, NY, NC, ND, OH, OR, PA, RI, SC, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Carrier: Lexington. Program administered by Amwins Underwriting (MGA). Why place DealerGuard through Amwins Underwriting? Specialized underwriting for franchised and large independent dealers with decades of program experience. Integrated loss-control and claims services designed for large inventory exposures. Flexible options for non-floored risks, inventory types (including motorcycles and buses), and parametric solutions for hail-prone territories. Dedicated underwriting and service teams focused on dealer-floorplan and open-lot exposures. Example accounts that fit this program You represent a multi-franchise dealer group with consistent safety controls, a low demo-to-employee ratio, and a five-year operating history — ideal for DealerGuard placement. A large independent dealer with several satellite lots, clean loss runs, and a $12,000 account premium need — fits the program’s minimum and underwriting profile. When completing applications, please include the Date a Quote is Required and the Expiring and/or Target Premiums. Frequently Asked Questions What types of dealer accounts are a good fit for DealerGuard?DealerGuard is designed for franchised auto dealers and large independent dealers with stable operations, low demo/employee ratios, and strong loss histories. The program targets accounts with solid on-lot controls and multi-year operating experience. What are the submission and documentation requirements?Submit a completed DealerGuard application, currently valued loss runs (current plus four prior years), and financials or detailed inventory listings depending on whether the dealer is franchised or independent. Is there a minimum premium or territory restrictions?Yes. The program’s minimum account premium is $10,000. Coverage is available in the states listed above; confirm availability with underwriting for specific risks. Does the program handle claims and loss control?Yes. Amwins Underwriting pairs the DealerGuard program with loss control and consultative services and uses a nationally recognized third-party administrator for claims management. What is the parametric hail option and when is it used?The parametric offering provides a hail-triggered payout for dealers in high-weather-risk zones where traditional terms may be limited. It’s intended as an alternate solution for hail-prone portfolios. Need help placing an account? Connect with a market specialist.

An exclusive program offering package coverage for scrap metal dealers. Proudly endorsed by the Automotive Recyclers Association (ARA) as the preferred insurance provider for professional automotive recyclers. Overview — Amwins Underwriting Scrap Metal Insurance Program With more than 30 years of experience writing scrap and recycling risks, Amwins Program Underwriters — part of Amwins Underwriting — offers a dedicated insurance program for scrap metal dealers and automotive recyclers. The Scrap Metal Dealers program is distributed through a select group of retail brokers and is available in most states. Coverage is underwritten by experienced specialists who understand the operational, property and liability exposures unique to the scrap metal sector. Program availability Available in all U.S. states except: AK, HI & MA. Ideal accounts and appetite This program is designed for established, professionally run scrap operations, including: Businesses that process and sell ferrous and non-ferrous metal scrap Scrap recycling facilities Automotive dismantlers and auto recyclers Self-service yards and salvage operations Typical fit: operations with documented procedures for inventory control, secure yards, accepted pollution controls, and experienced management. Accounts with high-value or complex environmental exposures, large barge or rail handling, or uninsured prior losses should be submitted for pre-review. Coverage highlights The program offers a broad package of coverages to address common exposures for scrap dealers: General liability (including premises and products exposure) Property (buildings, contents, stock and outdoor property) Inland marine (materials handling, mobile equipment and transportation exposures) Crime and inventory theft coverage Conversion protection for inventory losses Cyber liability Equipment breakdown Umbrella liability limits Workers’ compensation — click here to learn more For full program details and forms, see the program page on Amwins’ site: Scrap Metal Dealers program. Underwriting notes and minimum premium Underwriters look for clear inventory controls, secure storage and sound yard management. Key submission items typically include loss runs, photos of the yard and storage practices, a list of owned and leased equipment, and descriptions of processing/handling operations. Minimum premium: Varies by state and exposure; final pricing is subject to underwriting review. Territories and admitted status The program is available in the states listed above. Coverage is offered on an admitted basis where the program carrier and state regulations permit. Why place this business with Amwins Underwriting Niche underwriting expertise in scrap and automotive recycling risks Comprehensive package options that address the mix of property, liability and inland marine exposures common to scrap dealers Distribution through a select retail broker network that helps ensure submissions are complete and competitive Endorsement by the Automotive Recyclers Association (ARA), signalling market acceptance in the automotive recycling community Example accounts that fit this program A family-owned auto dismantler that operates a secure self-service yard, maintains inventory controls, and wants combined property, liability and inland marine coverage. A regional scrap recycler that processes ferrous and non-ferrous metals, uses forklifts and conveyors, and needs equipment breakdown and conversion coverage in addition to package limits. To learn more about property & casualty solutions for scrap metal dealers, please visit the program page on Amwins’ website: please visit our website. Frequently Asked Questions What types of accounts are a good fit for this program?Established scrap dealers, auto recyclers, self-service yards and automotive dismantlers with documented inventory controls, secure yards and routine safety practices are ideal. Complex environmental risks and large transportation operations should be discussed with underwriting first. Which states is this program available in?The program is available in most U.S. states. It is not offered in Alaska, Hawaii or Massachusetts. Availability may vary by carrier and state regulations. Is coverage written on an admitted or non-admitted basis?Coverage is underwritten on an admitted basis where the carrier and state regulations allow. Specific admitted status can vary by state and line of coverage. What submission materials does Amwins Underwriting typically require?Underwriters generally request recent loss runs, photos of the yard and storage areas, descriptions of operations and processing, lists of equipment, and details on controls for inventory and theft prevention. How does the minimum premium work?Minimum premium varies by state and by the account’s exposures. Underwriting will provide minimum premium guidance after reviewing the submission details. Need help placing an account? Connect with a market specialist.

AFC Insurance Inc. offers a specialized Health & Human Services Program that includes tailored Community Social Services Insurance solutions. Designed to meet the unique risk management needs of nonprofits and professional organizations serving vulnerable populations, this program provides comprehensive protection for a wide range of community-focused entities. Ideal Accounts and Appetite This program is well-suited for agents working with nonprofit and community-based organizations. Eligible classes include: Social & Individual Community Welfare Programs Mother & Child Services WIC (Women, Infants, and Children) Programs Welfare-to-Work Programs Soup Kitchens Meals on Wheels and similar services Ineligible risks include operations with a political focus or affiliation. Coverage Highlights and Advantages The Community Social Services Insurance program through AFC Insurance Inc. includes a broad array of coverages and enhancement options to address the evolving exposures of human services organizations: Package Policies General Liability & Professional Liability Volunteers and Independent Contractors included as Insureds Optional Key Employee Replacement Endorsement Optional Extended Coverage Endorsement with Blanket Additional Insured Umbrella and Excess Liability Property and Auto Coverage (with some restrictions) Abuse & Molestation Coverage These coverages are specially designed to address the unique staffing models, facility needs, and client interaction risks that social service organizations face daily. Underwriting Notes and Minimum Premiums Minimum premiums vary based on the class of business, size, and location of the risk. AFC Insurance Inc. offers flexible underwriting with a focus on the distinct needs of community service providers. Agents can expect a responsive underwriting process tailored to the nonprofit and human services sector. Territories and Availability This program is available in most states, including but not limited to: CA, TX, FL, NY, IL, PA, and WA. Coverage is written on an admitted basis in most available states, providing added peace of mind for your clients and efficiency in placement for your agency. Why Work With AFC Insurance Inc. As a Program Administrator with extensive experience in the human services sector, AFC Insurance Inc. brings valuable expertise and market access to the table. Whether you're placing a standalone soup kitchen or a multi-location community welfare organization, AFC is equipped to help you secure comprehensive coverage with competitive terms. You might have a client running a local Meals on Wheels program with volunteers and part-time staff—or a nonprofit offering prenatal care and child support services. These are exactly the types of accounts AFC’s program is built to support. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for community-based nonprofits such as soup kitchens, Meals on Wheels, WIC programs, and welfare-to-work initiatives. Are volunteers and contractors covered under this policy?Yes, the program includes coverage endorsements that recognize volunteers and independent contractors as insureds. Is this program available in all 50 states?No, but it is available in most states. Key markets include CA, TX, FL, NY, IL, PA, and WA, among others. Can I get coverage for abuse and molestation exposures?Yes, Abuse & Molestation coverage is available as part of the program, subject to underwriting approval. What risks are specifically excluded from eligibility?Risks with a political component or affiliation are not eligible for this program. Need help placing an account? Connect with a market specialist.

AFC Insurance Inc. offers a specialized HIV / AIDS Insurance program within its Health & Human Services Program. Designed to support organizations that serve individuals living with HIV/AIDS, this program is tailored for service providers delivering critical care, resources, and advocacy. It is structured to address the unique risks these organizations face, providing comprehensive coverage options and flexible underwriting to meet a variety of operational needs. Ideal Accounts and Appetite This program is intended for nonprofit and for-profit organizations that provide direct services to individuals living with HIV/AIDS. Typical eligible accounts include: Community-based HIV/AIDS service organizations Hospice providers caring for HIV/AIDS patients Nutrition and wellness counseling programs tailored for HIV-positive individuals These organizations commonly deliver a mix of medical, emotional, and social services such as case management, life coaching, housing assistance, transportation, and educational outreach. Ineligible risks: needle exchange programs are excluded from this program. Coverage Highlights and Advantages Agents can place a broad package of coverages designed for health and human services providers. Available coverages and enhancements include: General Liability and Professional Liability Property and Auto (subject to underwriting restrictions) Umbrella Liability Abuse & Molestation coverage Coverage enhancements such as: Volunteers and Independent Contractors as Insureds Optional Key Employee Replacement Endorsement Optional Extended Coverage Endorsement with Blanket Additional Insured The program is structured to address exposures common to these organizations, including professional liability arising from counseling services, claims involving volunteers, and auto liability related to client transportation. Underwriting Notes and Minimum Premiums Minimum premiums vary by account based on size, services provided, and coverage selections. AFC Insurance Inc. works with multiple carrier partners to offer flexible solutions and competitive pricing for qualifying risks. For accurate quoting, submissions should include full operational details: services offered, client population, staffing and volunteer structure, transportation usage, and any risk management practices or incident history. Territories and Availability The HIV / AIDS Insurance program is available in most states, including major markets such as CA, NY, TX, FL, IL, and PA. In total the program spans more than 45 states plus DC. Coverage is available on an admitted basis in most states; state-specific placement options and forms may vary. Why Work With AFC Insurance Inc. As a dedicated Program Administrator, AFC Insurance Inc. brings specialized underwriting expertise in the health and human services sector. Their team understands the sensitive and complex risks organizations serving people living with HIV/AIDS face. AFC provides access to multiple markets, specialized endorsements, and underwriting flexibility—helping you place accounts that might not fit standard markets. Agent scenarios where this program fits well: You have a small nonprofit that provides nutrition counseling and case management to HIV-positive clients and needs professional liability plus volunteer coverage. You represent a larger community-based provider that offers transportation and hospice care and requires a combination of general liability, professional liability, and auto coverage with abuse & molestation protections. Whether your client is a small counseling program or a multi-service provider, AFC’s program is structured to deliver appropriate protection with responsive underwriting and market access. Frequently Asked Questions What types of accounts are a good fit for this program?This program is best for organizations that provide direct services to individuals living with HIV/AIDS, including hospices, counseling centers, and community support agencies. Are needle exchange programs eligible for coverage?No. Needle exchange programs are specifically excluded from eligibility under this program. What coverages are included in the package?Typical offerings include General and Professional Liability, Property, Auto (with restrictions), Umbrella, Abuse & Molestation, plus endorsements for volunteers and key employees. Is this program available nationwide?The program is available in most U.S. states, including major markets like NY, CA, TX, and FL. Availability and form types vary by state—check with AFC for state-specific details. What is the minimum premium for this program?Minimum premiums vary by risk characteristics, services provided, and selected coverages. Contact AFC Insurance Inc. for a tailored quote based on the account details. Need help placing an account? Connect with a market specialist.

Homeless Shelters Insurance is a dedicated program offered by AFC Insurance Inc. within our Health & Human Services suite. Built for agents and brokers who place nonprofit and social service accounts, this program provides specialized liability and property solutions for organizations operating homeless shelters, transitional housing, and closely related services. AFC Insurance Inc. understands the distinct exposures shelters face when serving vulnerable populations. Whether your client operates single-gender housing, family shelters, youth programs, or structured transitional living with on-site social services, this program is underwritten to address those risks and help protect the organization, staff, volunteers, and participants. Ideal Accounts and Appetite This program is a strong fit for professionally managed operations, including: Homeless Shelter Programs Transitional Programs for the Homeless Men-only or Women-only Housing Programs Family Shelters People In Need (PIN) Programs Kids In Need (KIN) Programs We do not currently write coverage for drop-in shelters. Example fits for placement: A nonprofit that operates an overnight family shelter with case management and meal services seeking combined general and professional liability. A transitional living facility that provides structured housing plus on-site social services and needs abuse & molestation coverage and volunteer endorsements. If you have a client running a structured residential program with documented policies and on-site staff, this program is likely a good option. Coverage Highlights and Advantages AFC’s Homeless Shelters Insurance program combines package flexibility with specific endorsements to address shelter exposures: Package policy options combining General Liability and Professional Liability Endorsements to include volunteers and independent contractors as insureds Optional key employee replacement endorsement Optional extended coverage with blanket additional insured Umbrella/Excess capacity Property and auto coverage (subject to underwriting restrictions) Abuse & molestation coverage for high-severity exposures involving vulnerable populations These coverages help manage risks such as staff and volunteer liability, client allegations, building and contents damage, and transportation exposures when staff or clients are transported. Underwriting Notes and Minimum Premiums Underwriting evaluates each account based on size, services provided, population served, program structure, loss history, and location. Minimum premium requirements vary by state and account characteristics; AFC’s underwriting team offers flexible options and can tailor coverage enhancements where appropriate. Be prepared to provide program policies, staff training procedures, volunteer screening protocols, and details on transportation and supervisory practices at submission. Territories and Availability This program is available in most states. Representative territories include CA, TX, FL, NY, IL, PA, and WA. A full list of eligible states: 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. AFC places coverage with a variety of carriers (admitted in most states) depending on the risk. Why Work With AFC Insurance Inc.? As a Program Administrator focused on Health & Human Services, AFC provides targeted solutions for nonprofit and social service exposures. We combine program-level expertise with access to multiple carrier partners and responsive underwriting to help you place accounts that may be difficult to place in standard markets. AFC’s team understands regulatory and operational complexities common to shelters and works with agents to structure appropriate limits and endorsements. To learn more about our full capabilities, visit the AFC Insurance Inc. company profile. Frequently Asked Questions What types of accounts are a good fit for this program?Professionally managed homeless shelters, transitional housing programs, and nonprofits serving men, women, families, or children with structured services and documented policies are a strong fit. Are drop-in shelters eligible for coverage?No. Drop-in shelters are currently ineligible for placement through this program. Is abuse and molestation coverage included?Yes. Abuse & molestation coverage is available and can be added to address sensitive, high-severity exposures common in shelter settings. What is the minimum premium for this program?Minimum premiums vary by account size, services offered, and other underwriting factors. Contact AFC for a tailored premium indication. In which states is this program available?The program is available in most states, including CA, TX, FL, NY, IL, PA, and many others nationwide. Availability and admitted status depend on the carrier selected for each risk. Need help placing an account? Connect with a market specialist.

Home Medical Equipment Dealers Insurance from AFC Insurance Inc. AFC Insurance Inc. offers a focused Home Medical Equipment Dealers Insurance program through its Health & Human Services (H&HS) platform. This program is built for agents placing durable medical equipment (DME) dealers — businesses that sell, rent, deliver, install, or service mobility and respiratory equipment for patients receiving care at home. Ideal Accounts and Appetite This program targets Home Medical Equipment Dealers and DME providers of varying sizes. Typical fits include storefront retailers, regional suppliers with delivery fleets, and independent dealers who service home-bound or elderly patients. Good-fit examples: A regional DME supplier with multiple retail locations, delivery drivers, and in-house repair techs. An independent dealer that sells mobility aids and provides home delivery, setup, and periodic maintenance for elderly clients. A small rental-focused company supplying hospital beds and oxygen concentrators to hospice or home health patients. Operations that typically do not fit under the broader H&HS program include Assisted Living Facilities, Birthing Centers, Correctional Facilities, Psychiatric Hospitals, and Adoption Agencies that represent more than 25% of operations. Review the full ineligibility list before submission. Coverage Highlights and Advantages AFC's program offers broad liability and property solutions tailored to the exposures common in the DME industry. Key coverages and options include: General Liability and Professional Liability designed for product sales, rentals, and service work Package policies that can include Property and Auto (subject to carrier restrictions) Umbrella Liability options for excess protection Abuse & Molestation coverage where applicable Endorsements and enhancements such as: Volunteers & Independent Contractors treated as insureds Optional Key Employee Replacement Endorsement Optional Extended Coverage Endorsement with Blanket Additional Insured Underwriting Notes and Minimum Premiums Underwriting evaluates account size, revenue composition (sales vs. rental vs. service), fleet exposure, and loss history. Minimum premiums vary by carrier, state, and risk characteristics; AFC works with multiple markets to provide competitive terms and flexible retentions for appropriate risks. Prepare submissions with details on revenue by class, vehicle schedules, employees performing installations, and any service protocols to speed review. Territories and Availability The 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. Coverage is admitted in most available states, providing agents access to admitted paper where required. Why Work With AFC Insurance Inc.? As a Program Administrator focused on Health & Human Services niches, AFC combines underwriting expertise with access to multiple carrier partners. Agents receive market-specific guidance, flexible endorsements tailored to DME exposures, and responsive submission support to place complex accounts. If you have clients in the DME space who need admitted capacity, tailored liability forms, or package solutions that include property and auto, AFC is positioned to help you place and service that business. Frequently Asked Questions What types of accounts are a good fit for this program?Accounts that sell, rent, or service durable medical equipment — including storefront retailers, companies that deliver and install equipment at patients' homes, and rental-focused suppliers — are ideal. Mobility equipment dealers, oxygen suppliers, and in-home device vendors are common examples. Are there any operations that are not eligible?Yes. Ineligible operations under the H&HS platform include Assisted Living Facilities, Birthing Centers, Psychiatric Hospitals, Correctional Facilities, and Adoption Agencies when they represent more than 25% of operations, among others. Confirm eligibility before submitting. What coverages are included in the Home Medical Equipment Dealers Insurance program?The program offers General and Professional Liability, package policies that may include Property and Auto (with carrier restrictions), Umbrella options, Abuse & Molestation coverages where applicable, and optional endorsements like Key Employee Replacement and Blanket Additional Insured. Is this program admitted or non-admitted?This program is admitted in most available states, giving agents access to admitted capacity for clients in jurisdictions where admitted paper is preferred or required. Which states is this program available in?The program is available in most U.S. states, including major markets such as CA, FL, TX, and NY. Refer to the full state list in the program details for availability by state. Need help placing an account? Connect with a market specialist.