Serving the following sectors
One application. The whole marketplace.
You fill out one set of questions with our help. Our AI-driven placement system scans our database to match your risk against the current appetite of every carrier we’re accredited with, and your submission goes to every carrier that can actually write it — not just the easy ones.
1 application
Hundreds of carriers · one submission
your shortlist
Some of the carriers we place business with. Your risk goes to every one of our carriers whose current appetite fits it — and the ones that want it come back with quotes.
Tell us about your work
One application, with our help. We know what underwriters ask, so you answer it once — properly — instead of four times, badly.
We take it to the marketplace
Our AI-backed system matches your risk to every carrier with live appetite for your class of business, and the submission goes out to all of them.
We read the fine print
Exclusions, retroactive dates, defense costs, consent to settle — the terms that decide what a policy is actually worth. Line by line, on every quote.
You choose from a shortlist
A side-by-side comparison in plain English: carrier, premium, limits, and what each policy leaves out. We help you decide.
The coverage lines we place
Professional Liability
Malpractice and E&O — the core of every program we build.
General Liability
Premises and operations cover for facilities and practices.
Sexual Abuse & Molestation (SAM)
Standard GL excludes it. For most of our classes, it’s essential.
Cyber Liability
Patient data breaches and ransomware response.
Telemedicine Malpractice
Coverage built for care delivered across screens and state lines.
Workers’ Compensation
Often the largest line for staffing and facility risks.
Tail Coverage
Protection for past work when you switch carriers, retire or move on.
Commercial Auto
Fleet and vehicle cover — from a single van to ambulance operations.
Commercial Property
Buildings, contents and equipment for facilities and practices.
This isn’t car insurance — and that works in your favor
Most of our clients come to us expecting to compare plans and prices on a website and click “buy.” Business insurance for healthcare, social services and senior living doesn’t work that way — and once you see why, you’ll want it on your side.
What most buyers expect
- Public price lists you can compare in an afternoon
- Standard policies that only differ on price
- Instant approval for anyone who applies
- Renewal is automatic — same carrier, same terms
How specialty insurance actually works
- Every risk is individually underwritten — your services, staff, state, claims history and contracts all move the price
- The fine print differs more than the premium: exclusions, retro dates and defense costs decide what a policy is worth
- Carriers have appetites — each one only writes the classes of business it wants this year
- The marketplace moves constantly, so the best home for your risk changes from year to year
That gap is our job. You shouldn’t have to learn this market. We work it every day — so you don’t have to.
The carrier who provided your insurance last year may not be the one you’re renewing into
Carriers change their appetites constantly. New players enter a class with sharper pricing, incumbents tighten their terms, and long-time carriers stop writing a class altogether. That’s why we shop every policy around — including renewals — and why our AI-driven system tracks appetite week by week instead of once a year.
national carrier
specialty carrier
long-time carrier
wasn’t here last year
incumbent
appetite last year appetite now · Illustrative — one risk class, one renewal cycle
Hundreds of carriers
accredited relationships we can take your risk to
52 weeks a year
on appetite calls with carriers, so we hear about shifts before they’re public
Every renewal re-shopped
your policy goes back to the whole market, not auto-renewed on last year’s terms
What you get back isn’t one price — it’s a decision you can actually make
Every submission and every renewal ends the same way: a side-by-side comparison of the quotes that came back. The premium is the least interesting column. The exclusions are where policies win or lose.
| Carrier | Annual premium | Limits | Fine-print watch-out | Our read |
|---|---|---|---|---|
| Carrier A | $22,750 | $1M / $3M | Defense costs erode the limit — a long lawsuit eats your coverage | Cheapest on paper, weakest when you need it |
| Carrier B | $24,900 | $1M / $3M | Retro date reset would void cover for past work | Negotiated: prior acts preserved — stayed on the shortlist |
| Carrier COUR PICK | $26,100 | $1M / $3M | Abuse & molestation included at full limits; defense outside the limit | Best protection per dollar for this risk |
| Carrier D | $28,400 | $1M / $3M | Excludes abuse & molestation entirely | Declined — a coverage gap no discount fixes |
Illustrative example — an outpatient behavioral health clinic. Your comparison is built from real quotes on your own risk.
Why Homewood Insurance?
Healthcare professionals turn to Homewood for our ability to solve problems directly and deliver tailored solutions that fit their real-world needs. They stay with us as new challenges and opportunities arise, knowing they can rely on us for guidance. Many share their positive experiences with peers, opening doors to new opportunities and stronger communities.
Amazing support
From your first conversation with us, we’re hands-on. We help you prepare your application, gather the right documentation, and position your business for the strongest coverage available. Our team is here to make the process clear and seamless.
Decades of experience
Our long-standing relationships with leading insurance carriers give us the ability to connect you with superior coverage. Because we understand the marketplace inside and out, we can secure the best solutions on your behalf.
Dedication to excellence
We go further than just placing coverage. We’re committed to helping you achieve the best results — from affordable premiums to responsive claims handling and strong support in the event of litigation. Our goal is always to protect your business and your future.
What our customers say
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LaShai McNeal
Ralph was wonderful. He was super knowledgeable, knew exactly the type of insurance I needed and got the ball rolling. I can feel comfortable knowing that my business insurance needs have been properly handled. 10/10Google Review -
Tyhisha Lyles
Ralph was absolutely straight to the point and was able to assist with getting the appropriate coverage that I need. Not only was he super helpful but Amy was amazing as well. Extremely prompt with her responses.Google Review
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Antonio Brooks
He is beyond outstanding, in my opinion. He answered my questions and even provided advice that I know he didn't have to give. Thank you, Sir.Google Review
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Benjamin Myatt
Was very prompt and thorough in finding a solution for my business.Google Review
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Nick LeRoy
Extremely pleased with the assistance that I received. He was timely with his responses.Google Review
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Devoted Doc
Ralph has been an excellent partner for our practice. He's responsive and gives us the insight we need.Google Review
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Ben G. Adams
Extremely pleased with the assistance that I received. He was timely with his responses.Google Review
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John McDonald
Responsive and detailed with necessary information to supply a solid plan and coverage.Google Review
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Jordanna Kirschner
Ralph was very helpful in answering all my questions and concerns.Google Review
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Andrane Gordon
It was a pleasure I was expecting this was going to take weeks — he was very efficient communicating with me and my assistant.Google Review
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Carolyn Gurski
Ralph was easy to work with, stayed in touch and communicated well. Very happy.Google Review
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Amanda Shrewsbury
Ralph and Amy are an awesome team to work with! 10/10 recommend working with them!Direct Review
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Ren-Her Hwang
Very helpful recommendations!Google Review
Get started with Homewood Today
- We prepare your submission properly. Underwriters price uncertainty; a well-prepared application gets better terms. We do that work with you.
- We know where the appetite is. Decades of carrier relationships plus an AI-driven system that tracks the market as it moves.
- We read what you’d never have time to. Every exclusion, every condition, on every quote — before you see the comparison.
- We stay after the policy binds. Claims advocacy, mid-term changes, and a genuine re-shop at every renewal.
Call 239-251-3703 or Fill Out the Form
Ralph Schiller
Ralph specializes in sourcing the most suitable insurance for healthcare, social services and senior living organizations at the best price. You can call him or fill out the form and he will get your message directly.