Our Expertise in Home Care Business Insurance
- Home Care Specialization
- Licensed Nationwide
- Specialized Carrier Access
- Independent Representation
- Comprehensive Solutions
- Ongoing Partnership
A Specialized Approach to Home Care Business Insurance
Home Care Insurance Specialists
We are an independent insurance brokerage specializing exclusively in home care insurance. Unlike general insurance brokers who work with all types of businesses, we focus entirely on home care providers including home health agencies, home care agencies, independent caregivers, private duty nursing, adult day care centers, and medical equipment providers.
Our entire team understands the unique insurance needs of home care businesses. We know what coverage Medicare certification requires, what state licensing boards mandate, what managed care contracts demand, and what risks home care providers face daily. This specialized knowledge allows us to provide guidance general brokers simply can’t match.
As independent brokers, we represent you, not insurance companies. We work with multiple A+ rated carriers that specialize in home care coverage, allowing us to shop your coverage and find you the best combination of protection and price. We’re your advocate in the insurance marketplace, not salespeople for any particular carrier.
What Makes Us Different
Home Care Specialization
We work exclusively with home care providers. This isn’t a side business or one of many industries we serve, it’s our only focus. We understand your business model, your risks, your regulatory requirements, and your insurance needs better than any generalist broker.
Licensed Nationwide
We’re licensed in all 50 states, allowing us to serve home care providers wherever they operate. Whether you’re in one state or expanding nationwide, we have the licenses and carrier relationships to coordinate your coverage properly.
Specialized Carrier Access
We work with A+ rated insurance carriers that specialize in home care coverage. These carriers understand your risks, offer appropriate coverage options, and price competitively because they focus on your industry. We don’t waste your time with carriers who don’t “get” home care.
Independent Representation
As independent brokers, we represent you, not insurance companies. We’re paid the same commission regardless of which carrier you choose, so our recommendations are unbiased. We shop multiple carriers to find you the best value, not just the easiest sale.
Comprehensive Solutions
We provide all coverage types home care agencies need including general liability, professional liability, workers compensation, sexual abuse and molestation coverage, cyber liability, commercial auto, and umbrella liability. Complete solutions from one specialized broker.
Ongoing Partnership
We don’t disappear after selling you a policy. We provide unlimited certificates, help with claims, review your coverage annually, answer questions year-round, and serve as your insurance advisor. True partnership, not just transactions.
How We Work With You
Our process is designed to understand your needs and find you the right coverage:
Understanding Your Business
We start by learning about your specific situation including your agency type, services provided, size, locations, current coverage, and any specific requirements from licensing or contracts. Every agency is unique, and your coverage should be too.
Identifying Coverage Needs
Based on your business, we identify what coverages you need, appropriate limits, required endorsements, and any state-specific requirements. We explain each coverage clearly so you understand what you’re buying and why you need it.
Shopping Multiple Carriers
We shop your coverage with multiple A+ rated carriers specializing in home care insurance. Rather than presenting just one option, we provide competitive quotes so you can compare coverage and pricing from carriers who understand your business.
Explaining Your Options
We present your quotes with clear explanations of coverage differences, pricing variations, and our recommendations. We answer all your questions and help you make informed decisions. No pressure, no rush – you decide what’s right for your business.
Ongoing Support
After binding coverage, we provide unlimited certificates, help with claims if needed, answer questions throughout the year, and review your coverage annually to ensure it still meets your needs. We’re your insurance partner for the long term.
For more information on national healthcare standards, you can visit the Centers for Medicare and Medicaid Services website.
Built on Trust and Results
20+ Years of Experience
We’ve been serving home care providers for over 20 years. This experience gives us deep knowledge of your industry, strong carrier relationships, and proven strategies for securing the best coverage at competitive rates.
500+ Agencies Served
We’ve helped hundreds of home care agencies across all 50 states obtain proper insurance coverage. From new startups to large multi-state agencies, we understand the full spectrum of home care insurance needs.
A+ Rated Carriers Only
We only work with financially strong carriers rated A or better by AM Best. Your insurance is only as good as the carrier’s ability to pay claims. We ensure you’re protected by financially stable companies.
Independent Advocacy
As independent brokers, our loyalty is to you. We negotiate on your behalf, advocate for fair treatment, and fight for your interests. When you have questions or issues, we’re in your corner.
Home Care Providers We Help
Home Health Agencies
Medicare-certified agencies providing skilled nursing, therapy, and medical social services in patients’ homes.
Home Care Agencies
Non-medical agencies providing personal care, companion care, and homemaker services.
Independent Caregivers
Self-employed caregivers working as contractors or providing private care directly to clients.
Private Duty Nursing
RNs and LPNs providing skilled nursing care on a private-pay basis in patients’ homes.
Personal Care Services
Agencies specializing in hands-on assistance with activities of daily living including bathing, dressing, and toileting.
Home Health Aides
CNAs and HHAs working independently or as contractors, seeking their own insurance protection.
Senior Care Providers
Agencies specializing in elderly care including dementia care, Alzheimer’s care, and memory care services.
Medical Equipment Providers
DME suppliers selling and renting durable medical equipment for home use.
Adult Day Care Centers
Facility-based programs providing daytime supervision, activities, and care for elderly and disabled adults.
Learn More About Coverage for Your Provider Type
What You Can Expect From Us
Honest, Transparent Advice
We tell you what you need to know, not just what you want to hear. If your current coverage is adequate, we’ll tell you. If you’re underinsured, we’ll explain why and what should change.
Clear Communication
Insurance is complex, but our explanations aren’t. We explain coverage in plain English, answer questions thoroughly, and ensure you understand what you’re buying.
Responsive Service
We respond to inquiries within one business day. When you need certificates, have questions, or need to report claims, we’re available and responsive.
Competitive Pricing
We shop multiple carriers to ensure you get competitive rates. We also identify risk management strategies that can reduce your premiums over time.
Expert Guidance
Our specialized knowledge means better recommendations. We know what coverage you need, what limits are appropriate, and which carriers are best for your situation.
Long-Term Partnership
We’re not interested in just making a sale. We want to be your insurance advisor for years to come, helping you as your business grows and evolves.
Our Focus is Home Care Only
We’ve made a deliberate choice to specialize exclusively in home care insurance. We don’t serve restaurants, contractors, retailers, or other businesses. This narrow focus allows us to develop deep expertise that benefits you.
When you work with us, you’re working with true specialists who understand your specific challenges, not generalists trying to be everything to everyone. Our home care specialization is what allows us to provide superior service and better results.
Connect With Our Home Care Business Insurance Team
Speak with a home care insurance specialist.
Hours: Mon-Fri 8am-4:30pm CST
Questions About Working With Us
We specialize exclusively in home care insurance. While other brokers work with all types of businesses, we only serve home care providers. This specialization means deeper knowledge of your industry, better carrier relationships, and more relevant guidance than generalist brokers can provide.
No. We’re paid commission by insurance carriers, not fees by clients. Our services including quotes, coverage reviews, certificates, and ongoing consultation are provided at no charge to you. You only pay the insurance premium.
No, we’re independent. We work with multiple A+ rated carriers and can shop your coverage to find the best options. We’re not tied to any single carrier, giving you true choice and competitive options.
Absolutely. We frequently review existing coverage to identify gaps, ensure compliance, and often find better coverage or pricing. Reviews are free with no obligation. Even if you’re happy with current coverage, a second opinion never hurts.
No, we serve home care providers of all sizes from independent caregivers to large multi-state agencies. We have carrier relationships for businesses at every size and stage.
We’re licensed in all 50 states and regularly help multi-state agencies coordinate coverage. We understand how to structure policies for multi-state operations and ensure compliance in all jurisdictions.
✓ 20+ Years Experience | ✓ Licensed in All 50 States | ✓ A+ Rated Carriers | ✓ 500+ Agencies Served | ✓ Home Care Specialists | ✓ Independent Brokers