About

About Home Care Business Insurance

Home Care Business Insurance is a brand of Wagley Agency Insurance Group that works only with home care and home health businesses. We place general liability, workers compensation, professional liability, auto, abuse and molestation, and the rest of the program through exclusive carrier programs, and we build each one to the rules of the state where you operate.

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Who we are

Home Care Business Insurance, HCBI for short, is the home care practice of Wagley Agency Insurance Group. The agency serves clients across a range of industries. This brand exists for one of them: the businesses that send caregivers into people's homes. Everything on this site, from the coverage pages to the state guides, is written for that single field rather than adapted from a general small-business template.

The reason for a dedicated brand is simple. Home care does not insure like a shop or an office. A caregiver works alone in a client's home, often with a vulnerable person, sometimes driving between visits across a wide territory. The exposures that follow, from a lifting injury to an abuse allegation to an auto claim on a personal vehicle, do not show up the same way in other trades. A practice that looks at home care all day sees those patterns clearly, and prices and structures coverage around them.

We are a broker, which means we work for you rather than for a single insurer. Our job is to understand your operation, match it to the carriers that write home care well, and assemble a program that holds up when a claim arrives. We are paid to get that right, not to push one company's product.

Who reviews the coverage guidance on this site

The coverage content across this site is written and reviewed under Andrew Wagley, licensed insurance broker. When you read a state page or a coverage explainer here, you are reading guidance that a licensed broker stands behind, not anonymous marketing copy scraped together for search engines.

That matters more in insurance than in most fields. The wrong information about a workers compensation threshold, an abuse and molestation exclusion, or a state licensing rule can cost an agency a contract or leave a claim uncovered. So the material here is held to what a broker would actually tell a client sitting across the desk. Where a rule is specific to a state, we name the statute or the regulator behind it. Where the right limit depends on your contracts, we say so instead of quoting a number that would not fit your agency.

A specialist broker matters because home care insurance is a moving target. States rename their regulators, adjust their workers compensation rules, and set their own expectations for what an agency must carry. Keeping current with those changes, and knowing which carriers will write which risk, is the work. It is not something a generalist who touches home care once a year can do well.

Andrew Wagley, CIC

Certified Insurance Counselor

Andrew Wagley, CIC, is a Certified Insurance Counselor with over sixteen years of industry experience specializing in insurance and risk management for home health agencies across the United States. A business graduate of the University of Louisiana at Lafayette, he combines deep technical expertise with a practical, strategic approach to asset protection. In his free time, he enjoys watching sports, duck hunting, and spending time with his wife Brittany, and four children: Benjamin, Samuel, Cooper, and Sarah Beth.

Author of Protecting the Circle of Care

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The Essential Insurance Guide for Home Health Agencies

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What we do

We place and coordinate the full insurance program for home care operators, sized to your services, your contracts, and your state.

Most agencies do not need one policy. They need several that fit together, each answering a different exposure, with no gap where they meet. We build that whole program through exclusive carrier programs that write home care, and we keep the pieces in step as your agency grows or adds services. These are the coverages we work with most:

General Liability

Third-party injury and property damage during in-home care, the foundation most contracts require.

General liability

Professional Liability

Coverage for harm that flows from the care itself, weighted for skilled and clinical work.

Professional liability

Workers Compensation

Caregiver on-the-job injuries, with thresholds and rules that differ from one state to the next.

Workers compensation

Commercial Auto

Agency-owned vehicles that carry caregivers and clients, where a personal policy will not respond.

Commercial auto

Hired and Non-Owned Auto

The exposure when caregivers drive their own cars for work, common in home care.

Hired and non-owned auto

Umbrella Liability

Excess limits above your liability and auto, the efficient way to meet higher contract requirements.

Umbrella liability

Cyber Liability

Breach response for the protected health information an agency holds on clients and staff.

Cyber liability

Abuse and Molestation

Coverage for allegations that standard liability excludes, essential for in-home caregivers.

Abuse and molestation

We work with operators across the home care field, from skilled home health agencies and non-medical home care agencies to private duty nursing, personal care services, home health aides, senior care providers, medical equipment providers, adult day care centers, and group home care. See the full set of coverages on our insurance solutions hub, or the businesses we insure under who we serve.

Why home care specialization matters

The case for a specialist is not a slogan. It comes down to four things about home care that a general broker rarely tracks closely, and each one shows up in the coverage.

The rules change at every state line. Which regulator licenses an agency, whether a Certificate of Need is required, and what insurance the state expects all shift from one state to the next. A program built for one state is rarely right for another without adjustment.
Workers compensation is not one rule. Some states require coverage from the first employee, others at three or four, and the way owners and family members count toward the threshold varies. Getting the count wrong is how agencies end up uninsured without realizing it.
Caregivers work unsupervised in private homes. That is the heart of the service and the source of much of the risk, from lifting injuries to property damage to the trust placed in a worker who is alone with a client.
Abuse and molestation exposure is real and excluded by standard policies. Any operation sending caregivers into homes needs to treat that coverage as part of the program, not an afterthought, which is why we build it in rather than leaving it out.

None of this is meant to alarm. It is the reason a broker who works only in home care can build a program that fits, price it to the real risk, and explain it in plain terms. You can dig into any of it on our coverage by state pages and in our resources.

How we work with your agency

When you reach out, you talk to a person who knows home care, not a call center reading from a script. We start by understanding your operation: the services you provide, the states you cover, your staff and how they are classified, whether they drive for work, and the contracts your referral partners require. From there we build a program through exclusive carrier programs and walk you through what each piece does and why it is there.

We stay with the account after it binds. When a contract asks for a certificate, when a new state enters your footprint, or when a claim comes up, you reach the same people who built the program rather than starting over with a stranger. That continuity is part of what a specialist broker is for, and it is how a home care agency avoids the gaps that appear when coverage is bought once and forgotten.

There is no cost to talk and no obligation to buy. If we are not the right fit, we will tell you. If we are, you get a program built for how home care actually runs.

Contact us

Reach a specialist directly. We answer during business hours and follow up quickly outside them.

Call

(337) 270-2271

Email

homecareins@wagleyagency.com

Hours

Mon-Fri 8am-4:30pm CST

Home Care Business Insurance is a brand of Wagley Agency Insurance Group. To talk through your agency's coverage, contact a specialist or start with a free quote.

The People Behind Your Policy

Meet Our Home Care Insurance Specialists

Dedicated specialists who work with home care agencies every day. Reach out directly or connect with us on LinkedIn.

Kyle Spicer

Home Care Insurance Specialist

Outside of work, Kyle enjoys playing bass and guitar, which gives him a creative outlet he's always enjoyed. He also likes playing pool, reading, and most importantly, spending quality time with friends and family.

Connect on LinkedIn (337) 270-2271
Caroline Trahan

Home Care Insurance Specialist

Caroline works in the insurance industry and holds a degree in Business Management. Outside of work, she loves spending time with friends and family, traveling, being outdoors, cooking and baking, and trying new foods.

Connect on LinkedIn (337) 270-2271
Jared Begnaud

Home Care Insurance Specialist

Jared Begnaud is an insurance professional who enjoys helping people find the right coverage and making insurance simple and easy to understand. He believes in treating people with honesty, respect, and personal attention. Family is a big part of Jared's life. He is a proud father of two kids and enjoys spending quality time with his family whenever he can. Outside of work, he loves camping, being outdoors, and judging rodeos, and he enjoys the Western lifestyle, meeting new people, and making memories along the way.

Connect on LinkedIn (337) 270-2271

Ready to talk about your home care coverage?

Tell us about your agency and a specialist will build a program around your services, your state, and your contracts. It takes a few minutes and there is no obligation.