Overview — Home Health Care Insurance from AFC Insurance Inc.
AFC Insurance Inc. offers a dedicated Home Health Care Insurance program designed for independent agents and brokers who place coverage for skilled and non-skilled home health providers. As a program administrator working with multiple markets, AFC provides placement options across a broad set of states with flexible package and liability solutions to address the exposures common to home health, visiting nurse, hospice, staffing and related services.
Ideal Accounts and Appetite
This program targets a wide range of home and community care operations, including:
- Home health care agencies (skilled and non-skilled)
- Visiting Nurses Associations (VNA) and hospice providers
- Nurse registries, medical staffing firms, and staffing agencies
- Programs serving Traumatic Brain Injury (TBI) clients
Typical accounts are small to medium sized agencies, operations that use volunteers or independent contractors (endorsements available), and firms that require combined general and professional liability. Appetite is selective for larger or higher-frequency loss operations; underwriters will evaluate staffing models, credentialing and claims history.
Key Coverages and Advantages
- Package policies combining General Liability, Professional Liability and optional Property
- Endorsements to add Volunteers and Independent Contractors as Insureds
- Optional Key Employee Replacement Endorsement
- Extended Coverage Endorsement with Blanket Additional Insured
- Umbrella/excess liability and Abuse & Molestation coverage
- Auto coverage available with some restrictions
Because AFC works with several carriers, you can often match accounts to differing limits, forms and pricing profiles. The program is geared to help manage clinical exposures, abuse & molestation risk, vicarious liability from contractors and volunteers, and the operational risks of in-home care.
Underwriting Notes
Underwriting is provider- and operation-specific. Typical submission requirements include a completed application, current loss runs (usually 3–5 years), a description of services offered, staffing and supervision ratios, credentials and background check policies, and copies of contract language for third-party relationships.
Minimum premium: Varies by carrier and state.
Ineligible or Restricted Operations
The program excludes certain operations or places them on a restricted basis. Examples include (but are not limited to): adoption agencies that perform more than 25% of operations, assisted living/senior living facilities, birthing centers, foster care agencies, psychiatric hospitals, correctional facilities, housing authority/public housing operations, operations involving sex offenders or violent youth lockdowns, standalone special events and certain overnight youth programs.
Territories and Availability
Availability: Most Available States. AFC’s Home Health Care Insurance program is available in the following jurisdictions:
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, WY.
Carriers: Varies by account and state; AFC places business across multiple admitted and non-admitted markets as appropriate.
Why Place This Business with AFC Insurance Inc.?
- Program administrator experienced in home health and social services risks.
- Access to multiple carrier options and endorsements tailored for volunteers and contractors.
- Flexible package solutions that let you combine professional and general liability with property, auto and umbrella coverages.
- Underwriting that balances clinical exposure review with practical placement options for small and mid-size providers.
Sample Account Scenarios
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A small home health agency with 10 aides providing ADL assistance and medication reminders. They need general and professional liability with abuse & molestation coverage and an endorsement for independent contractors. This program can provide a package policy with the requested endorsements.
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A regional hospice organization with visiting nurses and several contract therapists that require blanket additional insured status for contracted services and an umbrella layer. AFC can help place primary liability, professional liability and umbrella capacity across its carrier panel.
Frequently Asked Questions
What types of accounts are a good fit for AFC’s Home Health Care program?
Small to mid-sized home health agencies, nurse registries, VNAs, hospice providers, staffing firms and organizations serving TBI clients are ideal. The program supports operations that need combined general and professional liability and endorsements for volunteers or contractors.
Which operations are typically ineligible?
Operations such as assisted living facilities, psychiatric hospitals, foster care agencies, correctional facilities, programs managing sex offenders or violent youth lockdowns, stand-alone special events, and adoption agencies with over 25% of operations are generally excluded or restricted.
What submission materials help speed placement?
Provide a completed application, 3–5 years of loss runs, a narrative of services, staffing and supervision details, credentialing/background check policies, and copies of contracts with any third parties requiring additional insured status.
Is coverage available in my state and are admitted options offered?
The program is available in most states listed in the Territories section. AFC places business with different carriers, so admitted versus non-admitted availability depends on the state and carrier; underwriting will confirm the best placement for each account.
Need help placing an account? Connect with a market specialist.