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Professional Program Insurance Brokerage®
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Professional Program Insurance Brokerage®
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Home Health Care Insurance

Professional Program Insurance Brokerage (PPIB) offers: Home Health Care Insurance.

As a trusted Excess & Surplus Lines Broker with decades of experience, Professional Program Insurance Brokerage (PPIB) provides a comprehensive Home Health Care Insurance program tailored for the unique exposures in the long-term care and caregiving sector. Our specialized insurance solutions are designed to support agents and brokers who need reliable markets for a wide range of health care-related accounts.

Overview of the Program From PPIB

PPIB offers General Liability, Professional Liability, and Property coverages that address the complex risks in home care and residential care environments. Whether your client operates a large group home or provides one-on-one in-home care, our program offers the flexibility and protection needed to meet regulatory, operational, and client-driven requirements.

Ideal Accounts and Appetite

This program is built for a wide variety of home and community-based care services. Target classes include:
  • Home Health Care Providers
  • Assisted Living Facilities
  • Independent Living Communities
  • Long-Term Care Facilities
  • Adult Day Care Centers
  • Hospice Care Providers
  • Group Homes and Host Homes
  • Live-in Companions and Sitters
  • Housekeepers and Residence Managers
  • Medical Directors overseeing residential care settings
If you're working with a client who manages a small team of caregivers providing in-home assistance to elderly clients, or a facility that offers live-in care for individuals with disabilities, this program may be an ideal fit.

Coverage Highlights and Advantages

Our Home Health Care Insurance program provides essential coverages, including:
  • Professional Liability – Helps protect against allegations of errors or omissions in care services
  • General Liability – Covers third-party bodily injury and property damage claims
  • Property Coverage – Protects business contents, equipment, and buildings
Additional program features may include flexible limits, occurrence or claims-made forms, and optional coverages depending on state and risk profile.

Underwriting Notes and Minimum Premiums

Underwriting is handled with a practical, responsive approach. While minimum premiums vary based on the specific class and exposure, submissions with complete applications and accurate operational details receive faster processing. Our team understands the nuances of caregiving operations and can help structure coverage to meet your client’s needs.

Territories and Availability

The program is available in most U.S. states, including CA, TX, FL, NY, WA, and many others. Admitted coverage is available in some states; however, most offerings are on a non-admitted basis through our E&S markets. Please contact us for state-specific availability and terms.

Why Work With PPIB?

PPIB is known for its deep expertise in niche industries and its commitment to helping retail agents find solutions for hard-to-place risks. By working with us, you gain access to a responsive underwriting team, customizable coverage options, and a broad appetite for home health care and related services. We make it easy to place diverse caregiving accounts with confidence.

Contact Professional Program Insurance Brokerage (PPIB) for all your Home Health Care Insurance needs.

Frequently Asked Questions

What types of accounts are a good fit for this program?

This program is ideal for home health agencies, assisted living facilities, group homes, hospice providers, and similar care operations.

Is this program available in all states?

The program is available in most states, including CA, TX, FL, NY, and others. Availability may vary by coverage type and admitted status.

Can I submit accounts with part-time or independent caregivers?

Yes, accounts with a mix of full-time, part-time, and independent caregivers are considered. Complete operational details help speed up underwriting.

What coverages are included in the program?

The program typically includes General Liability, Professional Liability, and Property coverage, with options for additional protections based on need.

Who underwrites the policies for this program?

PPIB works with a variety of E&S carriers. Admitted options are available in some states, depending on the risk class and location.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Excess & Surplus Lines Broker
  • Admitted:
    Some Available States
  • Carriers:
  • Carrier Ratings:
    -
  • Commission:
    -
  • Min Premium:
    -

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Professional Program Insurance Brokerage® has other insurance programs like Allied Health Insurance.