Stoermer Insurance Brokers is a trusted Ohio-based Excess & Surplus Lines Broker with over 30 years of experience providing specialized Home Health Care Insurance solutions to retail agents across Ohio, Kentucky, and Indiana. We understand the unique exposures and regulatory nuances of the home health care industry and offer tailored coverage options to help protect your clients’ operations and staff.
Ideal Accounts and Appetite
Our Home Health Care Insurance program is designed for agencies offering both professional and non-professional services in clients' homes. Ideal risks include:
- Licensed home health care agencies
- Skilled nursing services (RN, LVN, LPN)
- Physical and occupational therapists
- Home health aides and nurse’s aides providing non-medical care
Whether your client is a startup home care provider or a well-established agency, we can help you place accounts that need comprehensive protection for their people, property, and operations.
Coverage Highlights and Advantages
We offer broad coverage solutions under both admitted and non-admitted markets (varies by state), with access to several carriers. Coverage can include:
Property
- Basic, Broad, or Special Form
- Property Extension Endorsements
- Inland Marine options
Liability
- General Liability with up to $3 million aggregate limits
- Products/Completed Operations aggregate included
- Up to $2 million for each occurrence and personal/advertising injury
- Professional Liability up to $2 million per claim / $3 million aggregate
- $1 million in hired and non-owned auto liability
- $100,000 damage to rented premises
- $1,000 medical payments
- Sexual/Physical Abuse coverage: $25,000/$50,000 limits included, with higher limits available
We offer low minimum premiums and no liability deductibles, making this program accessible even for smaller or emerging home care agencies.
Underwriting Notes and Minimum Premiums
Minimum premiums vary depending on the size and scope of the operation, but our program is designed to be competitive and flexible. We work with retail agents to quickly evaluate submissions and provide responsive underwriting support.
Territories and Availability
This program is currently available in:
Admitted status is available in select states depending on the risk and carrier.
Why Work With Stoermer Insurance Brokers?
As a niche broker with deep knowledge of the home health care sector, Stoermer Insurance Brokers offers agents reliable markets, knowledgeable underwriting, and a long-standing commitment to supporting the evolving needs of this industry. We’ve been helping agents place this type of business for decades, and we welcome the opportunity to help you find the right coverage for your clients.
If you have a home health care client in need of insurance, give us a try—you’ll benefit from our experience and market access.
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.
Is this program available on an admitted basis?
Some admitted options are available depending on the state and specific risk. We also offer non-admitted solutions through our E&S markets.
What is the minimum premium for this program?
Minimum premiums vary by account size and exposures, but we offer low minimums to accommodate smaller agencies.
Are professional and non-professional services both covered?
Yes, we offer coverage for professional services (RNs, LPNs, therapists) and non-professional services (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.