Home Health Care

An insurance program that offers package P&C coverage for home health and hospice providers, medical equipment suppliers, companion care providers, and other home health care providers.

Contact Us

For over 40 years, APU's Home Health Care insurance program has offered coverage tailored to meet the specific insurance needs of the home health care and hospice industry as well as medical suppliers and distributors.  The Home Health Care program includes a package of professional and general liability coverages based on the unique specifications of the client.  We have the partnerships and deep understanding of the market exposures and we provide a broad range of coverage.

Target Classes 

  • Home Health Care Agencies / Providers
  • Visiting Nurse Associations (VNA's)
  • 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

Ineligible Operations

  • Nursing Homes
  • Correctional Health Care
  • Staffing & Locums
  • Mail Order Pharmacies
  • Automobile Installation / Alteration Companies
  • Repair of other's used DME for resale
  • Manufacturers
  • Wholesale Compounding Risks


  • Admitted in all states except: AK, AZ, CT, FL, ID, KS, LA, MA, NY, & VT.
  • State filings are currently pending in the remaining states.
Download a map of admitted states here.

*DME/ HME providers and distributors are only written on a non-admitted basis.


  • 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.

**This is intended as a brief overview of the coverages offered.  Please ask for complete copies of policies for a full description of coverage.