Stoermer Insurance Brokers is an Ohio-based Excess & Surplus Lines broker with over 30 years of experience placing specialized Home Health Care Insurance for retail agents throughout Ohio, Kentucky, and Indiana. We know the unique exposures and regulatory nuances of the home health care field and provide tailored solutions to protect your clients’ staff, operations, and property.
Ideal Accounts and Appetite
This Home Health Care Insurance program is built for agencies that deliver professional and non-professional services in patients’ homes. Typical accounts include:
- Licensed home health care agencies
- Skilled nursing services (RN, LVN, LPN)
- Physical and occupational therapy providers
- Home health aides and nurse’s aides providing non-medical care
We can place both newer startups and well-established agencies that need comprehensive protection for people, property, and operations. Accounts with clear licensing, formal policies and procedures, and basic employee screening fit especially well.
Coverage Highlights and Advantages
Stoermer offers access to several admitted and non-admitted carriers (availability varies by state). Key coverages include:
Property
- Basic, Broad, or Special Form property coverage
- Property extension endorsements to broaden protection
- Inland marine options for portable equipment and scheduled items
Liability
- General Liability with aggregate limits up to $3,000,000
- Products/Completed Operations aggregate included
- Limits up to $2,000,000 per occurrence (and personal/advertising injury)
- Professional Liability up to $2,000,000 per claim / $3,000,000 aggregate
- $1,000,000 hired and non-owned auto liability available
- $100,000 damage to rented premises
- $1,000 medical payments
- Sexual/Physical Abuse coverage included at $25,000/$50,000, with higher limits available
Our program offers low minimum premiums and typically no liability deductible, which helps make placement easier for small and growing home care agencies.
Underwriting Notes and Minimum Premiums
Underwriting focuses on the agency’s services, staff qualifications, training and screening practices, policies and procedures, and loss history. We evaluate submissions quickly and partner with agents to identify reasonable coverage and market options.
Minimum premiums vary by the size and scope of the operation; this program is designed to be competitive and flexible to support smaller agencies as well as larger operations.
Territories and Availability
This program is currently available in:
Admitted paper is available in select states depending on the carrier and the risk; non-admitted E&S options are available where needed.
Why Work With Stoermer Insurance Brokers?
As a niche broker with decades of experience in the home health care sector, Stoermer provides retail agents with market access, practical underwriting guidance, and responsive service. We understand the operational exposures your clients face and can help you structure terms and limits that match their needs.
Example accounts that typically fit this program:
- A licensed home health agency providing RN/LPN visits and durable medical equipment delivery seeking combined professional and general liability with modest property limits.
- A small home care startup that employs non-medical aides and needs low minimum premium options and hired/non-owned auto limits for staff driving to client homes.
If you have a home health care client who needs insurance, give Stoermer a try—you’ll benefit from our program access and underwriting expertise.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Licensed home health care agencies offering skilled nursing, therapy, or non-medical aide services are ideal. Both startups and established operations are eligible when they have appropriate licensing and basic risk controls.
Is this program available on an admitted basis?
Some admitted options are available depending on the state and the specific carrier. We also place non-admitted solutions through our E&S markets when admitted paper is not appropriate.
What is the minimum premium for this program?
Minimum premiums vary by account size and exposure. The program is structured to offer low minimums to accommodate smaller agencies; contact us for a quick review.
Are professional and non-professional services both covered?
Yes. The program can provide coverage for professional clinicians (RNs, LPNs, therapists) and for non-medical caregivers such as home health aides and nurse’s aides.
In which states is this program currently available?
This program is available in Ohio, Kentucky, and Indiana.
Need help placing an account? Connect with a market specialist.