Fact: 10,000 baby boomers will turn 65 every day from now until 2030.  We’re not just planning for right now.  We’re helping you plan for 150 years from now.

We’re facing an unprecedented demographic shift.  The global home healthcare market is anticipated to reach $517B by 2027 with a projected 8% annual growth rate.  While in-home nursing programs have doubled, Americans are living longer.  By 2030, the number of Americans ages 65 and older is projected to exceed 70 million, which means seniors will outnumber children in the U.S. 

For over 40 years, Amwins Program Underwriters’ Home Health Care program has offered tailored insurance solutions for medical suppliers, equipment providers, drug distributors, visiting nurse associations (VNAs) and other agencies.  The program can be accessed through independent agents or brokers.  

Imagine how good you would be at something if you practiced it every day for 40 years.  With Amwins by your side, you not only get industry-specific expertise and data-driven insights - you get a direct extension of your team.

Eligible accounts

• Home health care agencies / providers
• Visiting nurse associations (VNAs)
• 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)
  -  No long-term care staffing to large chains
  -  No physician or nurse practitioner staffing to hospitals or nursing homes
  -  No hospital staffing of emergency, labor & delivery or surgical departments
  -  Staffing risks in eligible states with 25% or less staffing to hospitals
      (subject to terms above will be considered)
  -  Copies of staffing contracts are required with the submission in addition to
      a list of all staffed facilities

Ineligible accounts

• Nursing homes
• Correctional health care
• Locums
• Mail order pharmacies
• Automobile installation / alteration companies
• Repair of other's used DME for resale
• Manufacturers
• Wholesale compounding risks
• Social services
• Correctional care staffing

Coverage

• 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.)
• Workers' compensation - available through the AmeriComp healthcare program

Submission requirements

• Home Health Care application (new business or renewal)
• 5-year current valued loss runs
• Brochures

Please send completed applications to: marie.gaudette@amwins.com.