Ideal Accounts and Appetite
This program targets a range 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 runs a small elder care agency that provides non-medical assistance, or a provider who helps disabled individuals with daily living tasks. Those are good fits for this program. The appetite is focused on non-medical and limited-medical exposures; higher-risk clinical or skilled nursing operations typically fall outside this program and should be referred for separate review.
Coverage Highlights and Advantages
Our Home Health Care & Miscellaneous Home Services Insurance provides a combination of liability, property, and crime protections to help safeguard your clients’ operations:
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 offered on a non-admitted basis through various carriers. Minimum premiums vary by account size, location, and selected coverages. Our underwriting team will review operations, staffing, training, screening procedures, and any prior loss history to determine eligibility and pricing. We can assist with surplus lines placement and required documentation when needed.
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.
As an experienced excess and surplus lines broker, M.J. Hall & Company, Inc. provides targeted solutions for home care and niche service industries. Our strengths include deep underwriting relationships in the E&S market, quick response on submissions, and the ability to place both routine and more complex risks. Whether you are placing a straightforward non-medical caregiver or a limited-medical provider with unique exposures, our team can help you find a market and structure appropriate coverages.
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.