AmWINS Program Underwriters – MGA Providing Long-Term-Care Facilities and Home-Health Programs with Pennsylvania Availability
Supporting Pennsylvania Senior-Care Ecosystems Through LTC Liability and Home-Health HNOA Programs
AmWINS, through Amwins Program Underwriters (APU), operates exclusive, comprehensive insurance programs for long-term-care facilities and home-health-care operations, available nationwide. The Long-Term Care Facilities program offers comprehensive liability coverage for skilled-nursing, assisted-living, independent-living, and residential-care facilities, while the Home Health Care HNOA program provides hired-and-non-owned auto (HNOA) liability for home-health-care operations. Pennsylvania facilities and providers can access these programs through retail brokers.
Who is AmWINS in Pennsylvania Senior-Care Risk?
The Long-Term Care Facilities program is an exclusive national program providing comprehensive long-term-care liability in partnership with an A-rated carrier. It targets skilled-nursing, assisted-living, independent-living, and residential-care facilities, with minimum primary PL/GL premium around 25–50 thousand dollars, primary limits up to 1 million per claim/3 million aggregate per location, and excess umbrella limits up to 5 million. Submissions go to apu.longtermcare@amwins.com and are handled by a team of underwriters in Farmington, Connecticut.
The Home Health Care HNOA program, launched by APU, offers standalone hired-and-non-owned auto liability up to 5 million in limits for home-health-care operations in all states except Louisiana. Eligible classes include visiting nurses, physical and occupational therapists, counselors, blood-delivery services, hospice care, and other in-home medical providers; accounts that transport clients/patients/passengers are excluded.
Why Pennsylvania Senior-Care Ecosystems Need AmWINS
Pennsylvania senior-care ecosystems rely on AmWINS when:
- Skilled-nursing, assisted-living, independent-living, and residential-care facilities seek a dedicated LTC-liability program with consistent coverage structure.
- Home-health-care operations in Pennsylvania need HNOA coverage tailored to in-home clinical services.
- Retail brokers want MGA access to national LTC and home-health programs, backed by strong carrier partners.
Standardized incident and claims data—covering LTC facility events (falls, pressure injuries, infections, abuse/neglect, elopements) and home-health auto incidents (collisions, near-misses, on-route incidents)—help AmWINS price and manage Pennsylvania risks within these programs. When Pennsylvania facilities and home-health agencies use structured schemas like Caring Data and share de-identified, state-specific aggregates with AmWINS through program submission and renewal processes, the MGA can differentiate better-performing accounts, refine terms, and work with carrier partners on focused risk-management initiatives in the state.
Case Study (Pennsylvania Focus)
A Pennsylvania operator runs assisted-living and independent-living communities and participates in Amwins’ Long-Term Care Facilities program while also operating a home-health arm using the Home Health Care HNOA program. AmWINS requests more detailed incident data by state to fine-tune renewal pricing and risk-management guidance.
The operator implements Caring Data across its Pennsylvania facilities and home-health routes, capturing falls, infections, pressure injuries, abuse/neglect allegations, and auto incidents, with standardized categories, severity levels, and root-cause tags. De-identified Pennsylvania summaries accompany submissions to apu.longtermcare@amwins.com and the HNOA underwriters. Analysis reveals that certain Pennsylvania communities have improved fall-prevention results, while home-health incidents cluster on specific routes. AmWINS collaborates with the operator and carrier to recognize improved facility performance, adjust deductibles, and focus driver-training and route planning on Pennsylvania hotspots.
Testimonials
“Our AmWINS program underwriters told us the Caring Data reports for our Pennsylvania long-term-care and home-health operations helped them understand where our risk was improving and where we still had work to do.”
“With standardized incident and claims data, we’ve been able to work with AmWINS to refine our LTC and HNOA program terms and target safety initiatives at Pennsylvania facilities and routes that matter most.”
Key Contact
AmWINS (Program / MGA) – Pennsylvania
Role: MGA/program underwriter offering national Long-Term Care Facilities liability and Home Health Care HNOA programs that include Pennsylvania facilities and operations.
Websites:
Long-Term Care Facilities Insurance Program overview
- Home Health Care HNOA program announcement and details
- Main site: https://www.amwins.com
Address (listing):
1221 Broadway, Suite 1000, Nashville, TN 37203
- Phones (listing): (312) 601-9254; 1-704-749-2700
- Email (listing): tim.walter@amwins.com – senior program leadership
- Contact (listing): Tim Walter
Final Thoughts
Pennsylvania senior-care ecosystems benefit when MGAs like AmWINS deliver integrated LTC-liability and home-health HNOA programs that accommodate complex senior-care risk profiles across the state. Caring Data equips AmWINS and Pennsylvania providers with the detailed incident information needed to keep these programs sustainable and targeted.