General Liability
Third-party injury and property damage during in-home care, the foundation most contracts require.
General liability
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.
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
Licensed Insurance Broker, author and reviewer of the coverage guidance on this site. Andrew works with home care and home health operators to place and coordinate their insurance programs through exclusive carrier markets.
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:
Professional Liability
Coverage for harm that flows from the care itself, weighted for skilled and clinical work.
Professional liabilityWorkers Compensation
Caregiver on-the-job injuries, with thresholds and rules that differ from one state to the next.
Workers compensationCommercial Auto
Agency-owned vehicles that carry caregivers and clients, where a personal policy will not respond.
Commercial autoHired and Non-Owned Auto
The exposure when caregivers drive their own cars for work, common in home care.
Hired and non-owned autoUmbrella Liability
Excess limits above your liability and auto, the efficient way to meet higher contract requirements.
Umbrella liabilityCyber Liability
Breach response for the protected health information an agency holds on clients and staff.
Cyber liabilityAbuse and Molestation
Coverage for allegations that standard liability excludes, essential for in-home caregivers.
Abuse and molestationWe 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 team that 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.
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.
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.