Home Healthcare & Facility Insurance
Insurance Built for Home Health & Home Care Providers
From visiting nurse associations to home infusion and companion care, we place coverage specifically underwritten for the exposures home healthcare providers actually face — not a generic business policy stretched to fit.
- Professional & general liability built for home care
- Abuse & molestation protection included
- Licensed independent agency, 30+ carrier partners
40+ Years
Dedicated home healthcare underwriting experience behind our program
$517B
Projected size of the U.S. home healthcare market by 2027
30+
Carrier partners across personal & commercial lines
IL · IA · WI · IN
States we're licensed and actively writing business in
Who We Cover
Built for the Way Home Healthcare Actually Operates
Whether you're a small agency or a growing multi-state operation, we place coverage tailored to your specific line of home healthcare work.
Home Health Care Agencies
Skilled nursing and home health agencies providing in-home medical care.
Visiting Nurse Associations
VNAs delivering nursing and clinical services directly in the home.
Home Infusion Providers
Providers administering IV therapy and infusion services in the home.
Hospice Providers
End-of-life and palliative care providers serving patients in the home.
Companion & Non-Medical Care
Companion care and unskilled/ADL providers supporting daily living needs.
Home Medical Equipment Suppliers
DME/HME suppliers, with or without a retail storefront.
Infusion Suites
Outpatient infusion suite operators outside the traditional hospital setting.
Drug & Equipment Distributors
Distributors supplying medications and equipment to home care providers.
Coverage Types
Package Coverage Built for Home Healthcare Exposures
One package policy designed around the specific risks of in-home care — not pieced together from generic business coverage.
Professional Liability
Protection against claims of negligent care or wrongful acts in delivering services.
General Liability
Bodily injury and property damage coverage, with occurrence or claims-made options.
Employee Benefits Liability
Coverage for errors in administering your employee benefit programs (written alongside PL/GL).
Non-Owned & Hired Auto
Covers liability when employees use their own vehicles to transport or visit clients.
Abuse & Molestation Protection
Built into the policy's professional services coverage — not bolted on as a costly endorsement.
Crime / Fidelity Bond
Protection against employee theft of client or company funds and property.
Property Coverage
Protects offices, equipment, and supplies used in day-to-day operations.
Excess / Umbrella Liability
Additional limits above your underlying professional and general liability policies.
Workers' Compensation
Coverage for your caregiving staff through our companion healthcare workers' comp program.
Defense costs are generally outside the policy limits, and coverage applies worldwide for claims filed in the U.S.
How It Works
Getting Covered Is a Straightforward Process
No call centers, no guesswork — just a licensed agent who knows the home healthcare market.
Tell Us About Your Agency
Share what services you provide, your staff count, and where you operate.
We Match You With the Right Program
We place your risk with a carrier program built specifically for home healthcare operations.
Review Your Quote
We walk you through coverage, limits, and pricing — no obligation to bind.
Get Covered & Supported
Once bound, we stay your point of contact for changes, claims, and renewals.
Frequently Asked Questions
Home Healthcare Insurance, Explained
It protects your agency against claims that a caregiver's actions — or a failure to act — caused harm to a client. This is separate from general liability, which covers bodily injury or property damage unrelated to the actual care provided.
Yes — non-owned and hired auto coverage is built into this program specifically for that scenario. If an employee causes an accident while driving to or from a client visit, your agency can still be named in the lawsuit even though you don't own the vehicle. This coverage protects against that exposure.
It's built into the professional liability coverage itself, not sold as a separate rider. That matters because some markets carve this out or charge significantly more for it once it's added — for a trade where you're in clients' homes, this exposure shouldn't be optional.
Yes. Workers' comp is placed through a companion healthcare program alongside your liability coverage, so your caregivers' on-the-job injury coverage is handled by a carrier that actually understands home care staffing.
Yes — home medical equipment (DME/HME) suppliers are eligible under this program, with or without a retail storefront. Let us know your full scope of operations so we can structure coverage around both the care and equipment side of your business.
A generic BOP isn't underwritten with home healthcare exposures in mind — things like professional liability for clinical care, abuse and molestation, or non-owned auto for staff driving to client homes. This program builds those in from the start instead of leaving gaps you'd only discover at claim time.
Not at all — we're licensed across Illinois, Iowa, Wisconsin, and Indiana, and this program is available on an admitted basis in nearly every state. Tell us where you operate and we'll confirm availability for each location.
Service Area
Serving Home Healthcare Providers Across the Midwest
Based in Loves Park, Illinois, we place home healthcare coverage for agencies, providers, and suppliers throughout the region.
- Illinois
- Iowa
- Wisconsin
- Indiana
Ready to Protect Your Home Healthcare Business?
Get a free, no-obligation quote from a licensed independent agency that places coverage built specifically for home healthcare operations.