Home Health Care
Home Health Care
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. Meanwhile, in-home nursing programs have doubled. By 2030, adults over 70 will outnumber children in the U.S.
For more than 40 years, Amwins Program Underwriters’ Home Health Care insurance program (formerly Smith, Bell & Thompson) has offered tailored insurance solutions for home health providers, medical suppliers, equipment providers, drug distributors, visiting nurse associations (VNAs) and other agencies.
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.
Home Health Care Insurance
Program Details
Availability
- 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.
Limits
Various
Carrier
A.M Best Rated "A"
FREQUENTLY ASKED QUESTIONS (FAQS)
What exposures can a home health care service agency face without HNOA coverage?
Home health care agencies can experience vicarious liability and costly lawsuits when their employees cause damages (bodily injuries or property) when driving non-owned or hired vehicles while on the job.
If my client adds an additional insured, how does it affect their insurance policy?
Adding an additional insured (A/I) to an agency’s liability policy grants them certain rights. However, this coverage only extends to particular agency operations and does not apply to the A/I’s independent actions.
What should my client consider when purchasing abuse and molestation coverage?
Abuse and molestation coverage safeguards home health service agencies from claims of abuse and misconduct by clients and employees. Agencies should confirm coverage:
- Provides comprehensive protection
- Meets contractual obligations
- Ensures defense costs are outside of policy limits (if possible)
Amwins in the News
Marie Gaudette, program manager, shares her insight on Home Care Magazine about the five types of policies home health care insurance providers should consider to appropriately manage risk.
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