Amwins – Long-Term Care Facilities Program Partner for Kansas Senior-Care Providers

Helping Kansas Long-Term Care and Senior-Living Communities Access Specialized Liability Programs and RRG Solutions

Amwins Program Underwriters offers exclusive long-term care facilities insurance programs that provide comprehensive liability coverage for skilled nursing facilities, assisted-living facilities, senior housing, and continuing-care retirement communities with at least 20 beds. These programs are available nationwide and are written in partnership with an A.M. Best “A”, XIII-rated carrier, focusing on primary professional and general liability as well as excess/umbrella capacity.

Amwins Specialty Casualty Solutions also teams up with Healthstar Risk Retention Group to offer a long-term care facilities RRG product, providing a customizable professional and general liability program for skilled nursing, assisted-living, independent-living, and residential-care facilities.

Who Is Amwins (Program / MGA)?

Amwins is a global specialty insurance distributor that includes wholesale brokerage, managing general underwriters, and group benefits operations. Within Amwins Underwriting, the long-term care facilities insurance programs sit in the senior-care segment, providing program-driven coverage for long-term care and senior-living providers.

Amwins Program Underwriters’ Long-Term Care Facilities program is based in Farmington, Connecticut, while the Long-Term Care Facilities RRG is managed by Amwins Specialty Casualty Solutions, with underwriting and program leaders such as Matt Wasta and Tim Walter focused on senior-care liability nationwide.

For Kansas senior-care communities, Amwins is a program/MGA partner that can deliver LTC-specific liability solutions in a fragmented senior-care insurance market.

Why Kansas Assisted-Living and Long-Term Care Facilities Need Amwins

Kansas senior-care providers may work with Amwins when:

• They operate skilled-nursing, assisted-living, independent-living, or continuing-care retirement communities with at least 20 beds and need a dedicated long-term care facilities liability program.
• They want the option of a traditional LTC facilities program or an RRG structure that provides customizable professional and general liability coverage.
• They are navigating a challenging senior-care liability market and need a specialist MGA/program partner that understands rising claims and increased scrutiny on senior-care risks.

Because many Kansas long-term care communities face tightening capacity and evolving underwriting requirements, Amwins’ LTC facilities program and LTC RRG provide focused alternatives to standard commercial markets.

What Sets Amwins’ Long-Term Care Programs Apart

Amwins emphasizes:

• A Long-Term Care Facilities Insurance Program that offers comprehensive liability coverage (professional and general liability) for skilled nursing, assisted-living, senior housing, and CCRCs, with at least 20 beds and minimum primary PL/GL premium of 25,000.
• A Long-Term Care Facilities Risk Retention Group program that provides professional and general liability coverage with limits such as 1,000,000 per occurrence / 3,000,000 aggregate, plus employee-benefits liability, sexual-abuse liability, crisis-management emergency response, evacuation-expense reimbursement, and patient-property reimbursement, with self-insured retentions starting at 25,000 and minimum premium of 50,000.
• The ability to structure customized solutions with varying retentions and corridor deductibles to match an individual facility or system’s budget and risk tolerance.

For Kansas facilities, this makes Amwins a key partner for tailored liability programs that directly address long-term care exposure and market volatility.

Coverage and Claims Relevance for Kansas Facilities

Through its LTC programs, Amwins:

• Helps Kansas long-term care facilities obtain primary professional liability and general liability coverage written on a claims-made basis, with primary limits available up to 1M per claim and 3M aggregate per location, and excess/umbrella limits up to 5M.
• Provides access to additional insuring agreements, such as evacuation-expense reimbursement, public-relations reimbursement, resident-property coverage, employee-benefits liability, coverage for punitive damages where allowed by law, and coverage for physical and sexual abuse.
• Supports long-term care facilities nationwide, including those in Kansas, through both a traditional long-term care facilities program and an RRG that focuses on professional and general liability with crisis-management and emergency-response support.

Kansas facilities interact with Amwins via brokers and LTC-focused Amwins underwriters, and are expected to provide complete submissions, including five-year loss runs and detailed facility information.

Industry Insight: The Real Cost of Staff Burden in LTC Program Underwriting

Amwins has reported that the senior-care liability market is fragmented, with rising claims, heightened scrutiny, and evolving carrier participation. When Kansas facilities submit incomplete incident histories, staffing details, or risk-management documentation, underwriters must make conservative assumptions, which can result in higher retentions, tighter terms, or reduced capacity.

Inadequate documentation also leads to repeated questions at both underwriting and claims stages, increasing administrative workload for facility staff and delaying decisions at critical moments.

Case Story: When Documentation Gaps Delay Amwins LTC Program Decisions in Kansas

If a Kansas assisted-living facility with 60 beds seeks coverage through Amwins’ LTC Facilities program but only provides summary counts of falls, pressure injuries, and elopements, the underwriter cannot clearly distinguish between isolated events and systemic issues. In response, Amwins may quote higher deductibles, narrower terms, or a more expensive RRG placement to account for uncertainty.

When that same facility implements structured incident reporting, root-cause analysis, and documented corrective actions, its broker can present a more detailed risk narrative to Amwins. This allows the program underwriter to differentiate improved performance and consider more stable or favorable options at renewal.

How Caring Data Complements Amwins LTC Interactions

Caring Data helps Kansas long-term care and senior-living providers centralize incident reports, clinical documentation, staffing patterns, and corrective-action plans in a unified system that aligns with the documentation standards Amwins programs expect.

By improving documentation quality and accessibility, Caring Data reduces the time Kansas teams spend assembling LTC program submissions and claims responses, while giving Amwins underwriters a clearer, data-driven picture of each facility’s risk profile and improvement trajectory.

Explore Caring Data: https://caringdata.com/

Book a Demo: https://calendly.com/saile/60min

Testimonial

“Being in a dedicated long-term care program means we have to demonstrate our risk-management story clearly. Caring Data has helped us organize incident and follow-up documentation so our broker and Amwins underwriters see the full picture. I would recommend this combination to any Kansas senior-care provider.”

— Executive Director, Long-Term Care Community, Kansas

Get in Touch with Amwins (Program / MGA)

Websites:
Long-Term Care Facilities programs: https://www.amwins.com/products/long-term-care-insurance-programs-amwins and program details at https://www.amwins.com/products/long-term-care-facilities and https://www.amwins.com/products/long-term-care-facilities-rrg-amwins

Key Contacts:
Amwins Program Underwriters, 308 Farmington Avenue, Farmington, CT 06032; key LTC program contacts include Matt Wasta (Managing Director) and Amanda Fioretti (Vice President), as listed in LTC program materials. The Long-Term Care Facilities RRG is managed by Amwins Specialty Casualty Solutions; senior contacts include Tim Walter, Senior Vice President and Program Manager (312-601-9254, tim.walter@amwins.com), and Georgetta Corona, Senior Underwriter.

Final Thoughts

Kansas long-term care and senior-living providers that partner with Amwins for LTC facilities and RRG programs gain access to specialized liability solutions built for their unique exposure. Caring Data provides the documentation structure that helps those relationships run efficiently and supports stronger underwriting and claims outcomes over time.

Axis Specialty / MGA Programs – Kansas