Ideal Accounts and Appetite
This program is designed for a variety of non-medical and limited-medical home service providers. Ideal accounts include:
- Home health aides and caregivers
- Companion care services
- Homemaker and chore services
- Errand and transportation service providers
- Respite care providers
You might have a client who operates a small elder care agency offering non-medical assistance, or a provider that helps disabled individuals with daily living tasks. These are great fits for our program.
Coverage Highlights and Advantages
Our Home Health Care & Miscellaneous Home Services Insurance includes a wide range of protections to help safeguard your clients against operational risks:
General Liability
- Primary Limits: $1,000,000 Occurrence / $3,000,000 Aggregate
Included Coverages:
- Medical Payments – $5,000 Limit
- Errors and Omissions – Up to Policy Limits
- Sexual and Physical Abuse – $50,000 per Claim / $100,000 Aggregate (higher limits available)
Deductible:
Property Coverage Options:
- Basic, Broad, or Special Form
- Replacement Cost or Actual Cash Value
- Building and Business Personal Property
- Business Income and Equipment Breakdown
- Accounts Receivable and Computer Equipment
- Valuable Papers and Outside Signs
Crime Coverage:
- Inside Premises – Theft of Money and Securities
- Inside Premises – Robbery or Safe Burglary
- Outside Premises Protection
Underwriting Notes and Minimum Premiums
This program is available on a non-admitted basis through various carriers. Minimum premiums vary depending on account size, location, and coverage needs. Our underwriting team will work closely with you to determine eligibility and pricing.
Territories and Availability
This program is currently available in the following states: Alaska (AK), Arizona (AZ), California (CA), Hawaii (HI), and Nevada (NV).
Why Work With M.J. Hall & Company, Inc.
M.J. Hall & Company, Inc. is a trusted excess and surplus lines broker with a long-standing reputation for delivering specialized insurance solutions. Our team has deep experience in writing home care and niche service industries, ensuring you get fast, knowledgeable support and access to quality markets. Whether you're trying to place a straightforward account or a more complex risk, we’re here to help you succeed.
For more information about Home Health Care & Miscellaneous Home Services Insurance, please feel free to call or email.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Ideal accounts include home health aides, companion care services, non-medical personal assistants, and providers of in-home support services.
Is this program available on an admitted basis?
This program is offered on a non-admitted basis through various carriers in select states.
What states is this insurance program available in?
It is currently available in Alaska, Arizona, California, Hawaii, and Nevada.
Are higher limits available for abuse and molestation coverage?
Yes, higher limits are available upon request for sexual and physical abuse coverage.
Is there a minimum premium required?
Minimum premiums vary based on the risk profile and coverage needs of each account.
Need help placing an account? Connect with a market specialist.