Home Health Care

HomeCareGuard is an insurance program that offers package P&C coverage for the home health and hospice industry.

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For over 40 years, APU's HomeCareGuard insurance program has offered coverage tailored to meet the specific insurance needs of the home health care and hospice industry.  Focused on service, the program includes a package of professional and general liability coverages based on the unique specifications of the home health care provider.  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, both for profit and non-profit
  • Visiting Nurse Associations (VNA's)
  • Hospice Providers
  • Sitter and/or Companion Care Providers
  • Home Infusion Providers
  • Activities of Daily Life (ADL) Providers

Ineligible Operations:

  • Nursing Homes
  • Correctional Health Care
  • Staffing & Locums


This program is available in all states.


  • Professional Liability
  • General Liability (Occurrence and Claims Made options in most states)
  • Employee Benefits Liability (when PL & GL is written)
  • Non-Owned & Hired Auto (Owned/Commercial Auto not eligible)
  • Fidelity Bond
  • Excess/Umbrella (when PL & GL is written)

We may also have markets for:
  • Directors' & Officers' Liability
  • Employment Practices Liability
  • Workers' Compensation (available via WorkCompGuard)

Coverage is provided on an admitted basis unless otherwise indicated.

Submission Requirements

  • HomeCareGuard Application 
  • 5-year current valued loss runs
  • Brochures

Quick Quote

The HomeCareGuard quick quote will allow us to provide you with a premium indication and not a firm or bindable quotation. Any indication provided is subject to our receipt and review of a full underwriting submission prior to binding.

  • HomeCareGuard Home Health Agency Quick Short Form
  • HomeCareGuard Supplemental Staffing Quick Short Form

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.