Insurance for care in the home.
Coverage for home health, non-medical care, hospice support and personal-care agencies with caregivers in client homes.
The questions every
owner should ask.
Is caregiver work professional liability or general liability?
It can be both. Professional liability addresses care-related allegations, while GL handles premises-type injury or property damage claims.
What about employees driving to client homes?
Owned, hired and non-owned auto need review. Many agencies rely on caregiver vehicles, which creates a real HNOA exposure.
Are theft allegations covered?
Crime and third-party theft coverage can be important for agencies whose staff enter private homes and handle vulnerable clients.
Why is workers' comp so sensitive for this class?
Lifting, transfers, travel and client-home conditions create frequent comp claims. Classification and payroll allocation matter.
What a good policy
actually covers.
The areas that matter most for your kind of business — what they do, and the losses they're built to absorb.
Professional liability
Coverage for care-related allegations, medication reminders, supervision, falls, documentation and service errors.
Learn about this coverWorkers' compensation
Coverage for caregivers, nurses, aides and administrative staff with classing reviewed around actual duties.
Learn about this coverHired & non-owned auto
Auto liability for caregivers using personal vehicles for client visits and agency errands.
Learn about this coverCrime & cyber
Third-party theft allegations, employee dishonesty, client records, scheduling systems and payment data.
Learn about this cover A broker that works
the whole market.
Care model clarified
Skilled nursing, personal care, companionship and hospice support are not underwritten the same way. We separate them.
Auto and comp not ignored
The day-to-day risk is often travel and caregiver injury. We make sure those lines are not afterthoughts.
Contracts and client requirements handled
Referral partners, facilities and state requirements often ask for specific limits and wording. We line those up.
From first call
to bound cover.
Tell us about your business
A few details about what you do, your size and any contract or licensing requirements you're working against.
We shop the market
We compare carriers that price your kind of business well, and bring back real options side by side.
Bind with confidence
Choose the option that fits, get your certificate, and know exactly what's covered — with us on the line if something happens.
Who this is
built for.
Home care cover
for caregivers in the field.
Tell us the care you provide, caregiver count and auto setup. We'll place coverage around the actual home-care operation.