Personal Care & Assisted Living Insurance Center has extended its assisted living and adult care home program to include home health agencies and companion care agencies. This Home Health Insurance Program is designed for independent agents placing non-medical and skilled home care operations. Offered coverages include:
Overview of the Program from Personal Care & Assisted Living Insurance Center
This Home Health Insurance Program is offered through Personal Care & Assisted Living Insurance Center as a Managing General Agency placement option for agents. Coverage is underwritten by various admitted and non-admitted carriers across most states, giving you flexibility to place accounts with different risk profiles. The program focuses on liability protections that matter most to home care and companion service providers, including professional exposures, client abuse allegations, and employment-related risks.
Ideal Accounts and Appetite
- Non-medical home care and companion care agencies
- Home health agencies providing skilled nursing or therapy (where carrier appetite applies)
- Personal care providers with employee caregivers, companion sitters, and live-in aides
- Small to mid-sized agencies with documented policies and caregiver screening
Generally not a fit: large multi-state operations with high payrolls, agencies with a history of multiple abuse or professional liability claims, or providers lacking documented hiring and supervision practices. Specific carrier restrictions vary—underwriting review determines final appetite.
Coverage Highlights and Advantages
- Broad liability packages tailored to home care exposures
- Options for professional and abuse liability limits to match client needs
- Regulatory defense and employment-related coverages to address administrative and HR disputes
- Access to multiple carriers through a single MGA relationship for faster quoting and placement
Underwriting Notes and Minimum Premiums
Underwriters look for documented policies on caregiver screening, training, supervision, and incident reporting. Payroll, number of caregivers, client acuity (skilled vs. non-skilled), and claims history are primary rating factors. Minimum premium: Varies by carrier and state—submit details for an accurate indication.
Territories and Availability
This program is available in most states. States served include: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY and DC. Availability and carrier options vary by state—check underwriting guidance when quoting.
Why Work With Personal Care & Assisted Living Insurance Center
As an MGA focused on long-term care and home-based services, Personal Care & Assisted Living Insurance Center provides focused underwriting expertise and streamlined submission handling. You benefit from access to multiple carriers and program-specific forms that address the unique liability and regulatory exposures of home care businesses. The program is designed to help you place accounts more efficiently while matching coverage to the operational risks of your clients.
Example scenarios
- You might have a small companion care agency with 15 caregivers seeking combined general and professional liability with abuse coverage—this program can offer tailored limit options.
- An independent home health agency adding skilled nurses and therapists may need professional liability plus regulatory defense; submit payroll and client acuity for carrier-specific appetite.
Frequently Asked Questions
What types of accounts are a good fit for this Home Health Insurance Program?
Good fits include non-medical home care and companion care agencies, and small to mid-sized home health providers with documented hiring, training, and supervision practices. Large multi-state operations or accounts with significant prior abuse or professional liability losses may need alternate markets.
Which coverages are included and can limits be adjusted?
The program offers general liability, professional liability, abuse liability, regulatory defense, employment practices defense, and employment benefits liability. Available limits and endorsements depend on the carrier selected; underwriting will confirm adjustable options on submission.
What information do I need to submit for a quote?
Provide a current application, payroll and revenue details, caregiver counts, services offered (skilled vs. non-skilled), hiring/screening policies, and a 5-year loss run if available. The more complete the submission, the faster we can secure competitive indications.
Is the program available nationwide and are policies admitted?
The program is available in most states (see territories listed above). Coverage may be placed with admitted or non-admitted carriers depending on state and appetite—availability and paper options vary by state and carrier.
Need help placing an account? Connect with a market specialist.