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Home Care Agencies
Customized coverage for your home care business
Insurance for Home Care Businesses, Home Health, and Hospices
Heffernan Insurance Brokers has developed exclusive insurance programs dedicated to home care businesses, home health businesses, and hospices, covering all states and agency sizes.
We are able to provide a quick and easy way to get your home care business insurance by making sure you have all the necessary coverages in place at a low, competitive rate without the long application process.
Having the right insurance for your home health business means you can continue to provide excellent care to your clients while being assured that you’re protected for the major liability exposures your business faces.
Comprehensive Coverage
You and your team of caregivers do important work, and your impact on the lives of your clients go far beyond your homemaking and support functions–your emotional support and companionship are critical to their wellbeing and happiness.
We understand that working with elderly, ill, or otherwise frail adults can expose you and your business to liabilities. That’s why you deserve to have a comprehensive coverage that can protect you and your employees so you can do your job with confidence.
Whether you’re self-employed or rapidly expanding your agency, our insurance products can help.
We offer custom-tailored packages for:
- Home Health Care / In-Home Health Care
- Hospices
- Staffing Agencies & Registries
- Infusion Therapy
- Home Health Aides
- Personal Care Assistant(s)
- And more
We offer comprehensive coverage for:
- Workers’ Compensation Insurance
- General and Professional Liability
- Employment Practice Liability
- Business / Owned Auto
- Non-owned and Hired Auto
- Sexual Abuse
- Crime – Third Party Theft
- Employee Dishonesty Bond
- Cyber & Identity Theft
- Medical Billing E&O
- Property Coverage and more.
Home Care Workers’ Compensation
Workers’ compensation for home care workers can have the greatest financial impact on your business expenses. Our home care insurance specialists can help walk you through the coverage and premium of home care workers’ comp coverage and advise you on what can be done to minimize costs and risks.
Why We’re the Right Choice for Your Home Care Liability Insurance Provider
The various aspects of assisting with activities of daily living in the home presents agencies and individuals with unique liability exposures. Our business insurance experts have built custom-tailored insurance programs that will protect you and your agency from these risks and liabilities, including home care liability insurance and home care workers’ compensation.
You’ll have the peace of mind that your business is covered by one of the nation’s largest insurance brokers. As proud partners of CAHSAH and the Home Care Association of America, we ensure we are closely connected with the challenging demands home care business owners and care providers face.
Our experience in the home care business insurance industry will be apparent when you speak with our expert insurance brokers. Founded in 1988 in Walnut Creek, California, our coast-to-coast success has grown parallel with our clients’ success as we work closely with them to protect their valuable assets and businesses.
Whether you’re starting a home care agency or simply looking for a more experienced insurance broker, Heffernan Insurance Brokers has proved time and time again that we’re the top home care insurance provider.
Home Care Insurance Cost for Start-ups
A number of factors influence the cost of a home care insurance package, including your agency’s annual clients and annual employees. Workers’ compensation is based on a percentage of your payroll.
However, insurance rates for home care agencies may vary from state to state so please get in touch with us for a free rate quote. For more information on home care insurance rates, watch our short video.
If you’re starting a home care business, you should begin the insurance application process at least 30 days prior to working with clients.
Take the next step to getting home care insurance coverage. Contact Heffernan Insurance Brokers today!
Frequently Asked Questions
Explore key questions Home Care Insurance.
What is Home Care Insurance?
Home care insurance is specialized commercial coverage designed to protect businesses that provide in-home care services. This insurance ensures that home care providers can continue operations smoothly even during unexpected events.
What does Home Care Insurance cover?
Home care insurance coverage includes protection against risks specific to in-home care services. It typically covers general liability, professional liability, and workers’ compensation. Additional protections include property damage, equipment breakdown, and business interruption. Tailored policies may also cover cyber liability and abuse or molestation claims.
Who needs Home Care Insurance?
Insurance for home care providers is essential for businesses offering in-home care services, such as home health agencies, personal care aides, and hospice care providers. It’s crucial for those facing risks like liability claims, property damage, and employee-related issues. Any business providing medical or non-medical in-home care should consider home care liability insurance to safeguard operations.
What are the costs of Home Care Insurance?
The cost of home health liability insurance varies based on factors like business size, location, and coverage needs. Premiums typically range from a few hundred to several thousand dollars annually. Key factors include employee count, extent of liability coverage, and service types. Additional coverages like professional liability, cyber liability, and abuse or molestation claims can influence costs. Working with an experienced broker can help tailor a policy to optimize costs.
How to get Home Care Insurance?
To get home care insurance, contact an experienced insurance broker specializing in the home care industry. They will assess your needs, including coverage for general liability, professional liability, and workers’ compensation. Provide detailed information about your operations, such as employee numbers, service types, and unique risks. The broker will tailor a policy to fit your requirements and provide quotes from various insurers. Once selected, the broker will guide you through the application and underwriting process to secure coverage.
Please reach out to one of our medium & large business brokers listed below, to discuss and to receive more information on resources, services and pricing/carrier options.
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