Home Health Care Insurance

Home Health Care Insurance Program from IPMG

Insurance Program Managers Group (IPMG) provides targeted access to Home Health Care Insurance markets for agents who place in-home medical and non-medical service providers. Whether you're working with a multi-state skilled nursing agency or a local personal care provider, IPMG connects you to tailored E&S solutions designed to address the specific operational and professional exposures of home-based care.

Ideal Accounts and Appetite

This program fits a broad range of home care operations, including:

• Skilled nursing and licensed medical home care agencies
• Personal care, companion and homemaker services
• Home-based therapy providers (physical, occupational, speech)
• Hospice and palliative care providers

Typical placements include agencies providing personal care across multiple counties, therapy companies delivering services in clients’ homes, and skilled providers expanding into services such as in-home IV therapy. Accounts with clear hiring and supervision practices, documented policies, and basic risk management are generally preferred.

Coverage Highlights and Advantages

IPMG’s Home Health Care program pairs underwriting expertise with a comprehensive coverage package to protect common exposures for home care providers. Key coverages include:

• Professional Liability – Defense and indemnity for alleged negligence, errors, or omissions in patient care.
• General Liability – Premises and operations protection for bodily injury and property damage arising from day-to-day services.
• Hired and Non-Owned Auto – Coverage for employees using personal vehicles on company business.
• Crime – Protection for losses from employee theft and related dishonest acts.
• Data Breach & Privacy/ Security Liability – Coverage for HIPAA-related incidents and cyber/privacy exposures.
• Sexual Misconduct Sublimit – Acknowledges and addresses a sensitive exposure area common to home care.
• Employee Benefits Liability – Coverage for administrative errors in benefit programs.

These options give your insureds practical protection across professional, general, cyber, and employee-related risks so they can focus on care delivery.

Underwriting Notes and Minimum Premiums

The program is placed on a non-admitted basis through Hiscox, offering placement flexibility for unique or harder-to-place risks. Underwriters favor accounts with documented policies, clear staff credentialing, reasonable visit limits per caregiver, and basic loss-control practices.

The minimum premium for eligible accounts starts at $1,500. For agencies with higher limits, multi-state operations, or significant professional exposure, IPMG’s underwriting team can structure broader solutions—contact underwriting to discuss specific scenarios and appetite exceptions.

Territories and Availability

Current availability: Illinois (IL), Indiana (IN), Iowa (IA), and Missouri (MO). Coverage is written through E&S markets and may not be available on an admitted basis in these states.

Why Work with IPMG?

As a Managing General Agency and E&S broker, IPMG specializes in health care risk and provides responsive underwriting, timely submissions, and access to a trusted carrier (Hiscox) for this line. Their healthcare division understands the operational nuances of home care and helps agents place both routine and complex accounts efficiently.

Example scenarios that fit well:

• A mid-sized home health agency expanding into in-home infusion services that needs professional liability plus cyber/privacy protection.
• A regional personal care company with employees using personal vehicles to transport clients who needs hired/non-owned auto and crime coverage.

For underwriting questions or to submit a risk, contact: