According to AARP, over 7.8 million individuals currently receive care from more than 83,000 providers and over 44 million informal caregivers. To support this rapidly growing sector, PMC Insurance Group offers a comprehensive Home Healthcare Workers Compensation Insurance program tailored to meet the unique needs of the home healthcare industry.
Overview of the Program From PMC Insurance Group
PMC Insurance Group is a national program administrator specializing in workers compensation solutions. Their Home Healthcare Workers Compensation Insurance program provides independent agents and brokers with access to top-tier carriers and underwriting expertise. Designed to support the expanding home healthcare industry, this program helps protect employers and their workforce from the high costs of workplace injuries.
Ideal Accounts and Appetite
This program is built for a wide range of home healthcare-related operations, including both independent and franchise organizations. Target classes include:
- Home Healthcare Providers
- VNA (Visiting Nurse Association) Organizations
- Assisted Living Facilities
- Homemaker and Companion Care Services
- Non-Emergency Medical Transportation (NEMT)
- Hospice and Palliative Care Providers
- Retirement Communities
Whether your client is a startup caregiver service or an established assisted living facility, this program can accommodate a wide range of risk profiles.
Coverage Highlights and Advantages
- Coverage through five nationally recognized insurance carriers
- Program available in all 50 states plus Washington, D.C.
- Designed specifically for the risks common to home healthcare and related services
- Competitive minimum premiums starting at $2,500 for many classes
- Specialized underwriting tailored to healthcare exposures
This program helps protect your clients from common risks such as slips and falls during in-home visits, injuries during patient transport, and repetitive stress injuries from caregiving duties.
Underwriting Notes and Minimum Premiums
To submit a risk, agents should provide the following:
- Completed WC ACORD application
- 3–5 years of currently valued loss runs
- Current experience modification worksheet
Minimum premiums vary by operational class:
- Most Home Healthcare Classes: $2,500 minimum premium
- Non-Emergency Medical Transportation: $7,500 minimum premium (availability varies by state)
- Nursing Homes: $75,000 minimum premium
Territories and Availability
This is a nationwide program available in all 50 states and Washington, D.C. Admitted options are available across all states, providing flexibility and broader market access for your clients.
Why Work With PMC Insurance Group?
PMC Insurance Group is a trusted program administrator with deep expertise in workers compensation. Their strong carrier relationships and specialized underwriting make them a reliable resource for agents seeking to write home healthcare accounts. You gain access to a dedicated team that understands the nuances of healthcare-related risks and is committed to helping you place business efficiently and effectively.
For more information on our Home Healthcare Workers Compensation Insurance program please visit us at pmcinsurance.com.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for home healthcare providers, assisted living facilities, hospice care services, and non-emergency medical transportation companies.
Is this program available in all states?
Yes, the Home Healthcare Workers Compensation Insurance program is available nationwide, including all 50 states and Washington, D.C.
What are the minimum premium requirements?
Minimum premiums start at $2,500 for many classes. Non-Emergency Medical Transportation starts at $7,500, and nursing homes have a $75,000 minimum premium.
What information is needed to submit a risk?
Agents should submit a WC ACORD application, 3–5 years of valued loss runs, and a current experience mod sheet.
Can both independent and franchise operations apply?
Yes, the program is open to both independent businesses and franchise organizations in the home healthcare and related sectors.
Need help placing an account? Connect with a market specialist.