Home Health Care HNOA

Monoline HNOA liability coverage for a broad spectrum of home health care operations.

Driving Home Success: Navigate the Booming Home Health Care Industry with Expert Solutions


Home health care has been one of the fastest growing industries over the past 10 years and will see double digit growth in the next five.  Home health care continues to grow in popularity as more seniors opt to stay in their homes longer, and more medical procedures allow for at-home recovery.  Employment of home health and personal care workers is projected to grow 22% over the next ten years.

Because services are delivered at the clients’ homes, employees (caregivers) are required to drive to and from various locations throughout the workday, often transporting clients to doctor’s appointments or running errands on clients’ behalf.  Caregivers are often the lifeline that keeps seniors in local communities connected and thriving.

As the healthcare marketplace continues to evolve, and potential for expanding risks grow, it’s important to work with specialists who know and understand the business.  You need partners who are solutions-oriented and work with you to find the best coverage solution for your insured – for the long term.  Amwins health care specialists are immersed in the market and have deep relationships with top-rated carriers that can provide your clients with the coverage they need. Partner with our team of specialists to deliver niche expertise and creative solutions to your insureds.

Amwins Program Underwriters' Home Health Care HNOA program provides hired and non-owned auto liability coverage for home health care workers actively helping seniors where they need it most.  We understand the market, and we’re devoted to driving your success.

Eligible accounts

  • Visiting Nurses
  • Doctors / Nurse Practitioners
  • Physical Therapists
  • Counseling / Mental Health
  • Occupational Therapists
  • Blood Delivery Services
  • Phlebotomists
  • Any In-Home Medical Related
  • Dialysis Technicians
  • Non- Medical Home Assistants
  • Massage Therapists
  • And more!
  • Hospice Care

Please note that accounts offering patient and/or passenger transport are not eligible for this program.



This coverage is available in all U.S. states, except LA

Home Health Care HNOA
Program details


  • Primary HNOA limits of up to $5M
  • Defense costs are outside the limit



  • AM Best rated "A++"
  • Non-admitted


Submission requirements

  • Completed industry-standard applications
  • Home Health Care HNOA supplemental application
  • Currently-valued loss information (current year and four prior years)
  • Current drivers list
  • Current MVRs for all drivers (random sample approach used on larger accounts)

Contact Us

Charles Fields
Program Underwriter
Amwins Program Underwriters - Camp Hill, PA
717.214.7623 charles.fields@amwins.com
Julie Reisinger
Program Manager
Amwins Program Underwriters - Camp Hill, PA
717.214.7616 julie.reisinger@amwins.com