Ask Your Peers  Workers Compensation for Small Home Health Care Companies (Closed)

Need a Workers Compensation carrier (or several) that are willing to write small home healthcare companies. We write in all 50 states so are looking for either one carrier that is nationwide or different ones per state that can assist us.

While we cannot assist with the Work Comp, I would like to extend our assistance with any of the required surety bonds that are needed for this program. You can reach me at 800-737-4880 or a1suretybonds.com.

Chartis writes them as well. Not sure what their minimum premium is though. Where are you writing the General Liability/Professional?

The issue is that a lot of carriers do "write " home health care but they either have high minimum premiums or do not write start ups or businesses with less than 3 yrs of being up and running. This is the niche that we are needing. We lose the liability portion because we can't get the WC written. AIG/Chartis won't write these smaller ones/ start ups.

Nice, Erin. Way to go the extra mile!

Cristina,

I am a multi year award winning agent in financial planning, insurance and benefits for small business firms. I am based in Ohio and work in a number of additional states and have clients from Virginia to Ohio and out to Colorado. Some products are only available in one or two states, some products and services are available in a number of states and some products and services are available nationally.

There are only a few states which allow discounting Workers Compensation Premiums. Ohio is one of those states and I do help clients with that need. I do not work with Workers Comp outside of Ohio.

If you are looking for other benefits like Health insurance I am licensed in several states including Ohio and Indiana. I am also Obamacare Certified so I can offer products that are Marketplace , Exchange or private products off the exchanges.

If a company does not offer employees Obamacare product I do have available some minimed or limited indemnity products that can be used as stand alone products or can be used together with a Bronze plan for example to keeps premiums down and still help fill the gaps in coverage. These products are offered in most states.

If a client company does not want to do either I have available at no cost to the company or the employee a prescription discount card that can save the employees as much as 70% on their prescription medications

Please feel free to call me contact me or email me anytime

Tom Grainger
614-264-3864
http://financial-service6.wix.com/polarisfinancial

You might try CNA, they have a healthcare dept. but not sure if that includes home healthcare.