The healthcare industry faces distinct workers’ compensation challenges: high-frequency patient handling injuries, regulatory shifts, and varied staffing models (traveling, temporary, home-based). U.S. Risk Insurance Group, Inc. offers a focused Healthcare Services Workers Compensation Insurance program through its UPA division that helps agents place healthcare-related accounts with precision. Our program combines specialized underwriting, A-rated carrier access, and nationwide admitted markets where available to deliver tailored solutions for healthcare risks.
Target Customers
- Home healthcare providers
- Temporary medical staffing agencies
- Physician, dentist, and clerical staff
- Hospitals (including professional and non-professional employees)
- Public, home-based, and traveling healthcare workers
- Retirement and assisted living centers*
- Convalescent or nursing homes*
*Accounts in the nursing home and assisted living sector must have premiums exceeding $75,000 and will be evaluated individually by our underwriting team.
Program Highlights
- Monoline workers’ compensation coverage tailored specifically for healthcare operations and exposures
- Access to A-rated carriers and national admitted markets through our underwriting relationships
- Comprehensive loss control resources, including:
- Safety manuals, operational checklists, and practical injury-prevention tips
- Efficient claims handling designed to control costs and support timely return to work
Underwriting Guidelines
- Minimum manual unmodified premium: $3,000
- Experience modification factor typically considered between 0.65 and 1.49
Territories
This program is offered across all states where workers’ compensation applies. U.S. Risk places business through admitted carriers where available, with broad capacity in states including TX, CA, FL, NY, IL, and GA.
Why Work with U.S. Risk?
U.S. Risk Insurance Group is a Managing General Agency with deep, healthcare-specific underwriting expertise through its UPA division. We understand the operational differences between a traveling nurse service, a home health agency, and a hospital system, and we tailor quotes and loss-control recommendations accordingly. Agents benefit from responsive underwriting, flexible placement options, and access to specialty admitted markets.
Example placements you can pursue through this program:
- A regional temporary medical staffing firm with mixed clinical and non-clinical employees seeking a single workers’ compensation policy across multiple states.
- A physician practice expanding into home health visits that needs coverage for traveling clinicians and home-based services.
If you have a healthcare account that needs specialized underwriting or access to admitted carriers nationwide, U.S. Risk’s Healthcare Services Workers Compensation program is structured to help you place that business efficiently. Use our underwriting team to review complex exposures or large accounts, especially in the nursing home and assisted living sectors.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is designed for a broad range of healthcare providers, including home health agencies, temporary medical staffing firms, hospitals, and retirement or assisted living facilities.
Are there any minimum premium requirements?
Yes. Accounts must have a manual unmodified premium of at least $3,000. For nursing homes and assisted living facilities, the minimum premium is $75,000 and those submissions are evaluated on an individual basis.
Which states is this program available in?
This workers’ compensation program is available in most U.S. states, including TX, CA, FL, NY, and others. U.S. Risk places coverage through admitted markets where applicable.
What support do clients receive for loss control?
Clients have access to loss control materials such as safety manuals, checklists, and prevention tips to help reduce workplace injuries and manage risk proactively.
Who underwrites the program?
The program is underwritten by a specialized team in U.S. Risk’s UPA division, which focuses exclusively on healthcare-related risks.
Need help placing an account? Connect with a market specialist.