Non-Medical, Home Health, Assisted Living, Nursing Homes, and Hospice
we specialize in insurance solutions designed for the healthcare and senior care industries — including Non-Medical Home Care, Home Health Agencies, Assisted Living Facilities, Nursing Homes, and Hospice Care Providers.
We understand the unique risks that come with providing care — from employee injuries and professional liability to property damage and regulatory compliance. Our experts help you secure comprehensive coverage that protects your business, your staff, and the people you serve.
Your caregivers are on the front lines of client well-being. We help protect your business from the unexpected with coverage for general liability, professional liability, and employee risks — giving you peace of mind to focus on care, not claims.
Typical coverages include:
General & Professional Liability
Workers’ Compensation
Hired & Non-Owned Auto Coverage
Abuse and Molestation Coverage
Cyber Liability
For agencies providing skilled medical care at home, risk exposure increases. We build custom policies that safeguard your organization against professional errors, employee injuries, and compliance challenges.
Coverage options:
Professional & General Liability
Medical Malpractice
Workers’ Compensation
Commercial Auto
Regulatory & HIPAA Protection
Assisted living centers face both healthcare and hospitality-related risks. Our brokers design protection plans that cover your property, staff, and residents — all under one secure policy.
Key coverages:
Property & Liability Insurance
Resident Liability
Employment Practices Liability (EPLI)
Business Interruption
Umbrella Coverage
Nursing homes require advanced protection due to high exposure to medical liability, staff claims, and regulatory risk. We ensure your coverage meets every requirement while minimizing cost and downtime.
Coverage includes:
Professional & General Liability
Medical Malpractice
Workers’ Compensation
Abuse & Neglect Coverage
Directors & Officers (D&O) Insurance
Hospice care providers deliver compassionate support — and deserve equally compassionate protection. We help you secure tailored coverage to protect your staff, volunteers, and organization as you care for families during sensitive times.
Coverage includes:
Professional & General Liability
Volunteer Coverage
Workers’ Compensation
Cyber & Privacy Protection
Property & Auto Coverage
Home care agencies typically need General Liability, Professional Liability (Errors & Omissions), Workers’ Compensation, and Auto Coverage if caregivers use vehicles for work. Depending on your operations, you may also need Abuse & Molestation, Cyber Liability, and Employment Practices Liability (EPLI) coverage.
Home care insurance is for non-medical service providers offering personal or companion care, while home health insurance applies to agencies providing medical or skilled nursing services. Home health policies often include Medical Malpractice and additional regulatory protection.
These facilities face unique risks such as resident injuries, medication errors, employee claims, and compliance challenges. Specialized insurance ensures your coverage meets state regulations and provides financial protection against lawsuits, property damage, or care-related incidents.
Yes, but only if your policy specifically includes Abuse & Molestation Coverage. This protection is essential for care-based businesses, as it covers defense costs and settlements for claims of abuse or neglect made against staff or the organization.
Professional Liability (also called Errors & Omissions) protects your agency and caregivers from claims of negligence or mistakes made while providing care services. Even the most experienced caregivers can face allegations — this coverage ensures your business and reputation are protected.
Premiums depend on factors like your business size, number of employees, services offered, claims history, and coverage limits. We work with multiple top-rated carriers to find competitive pricing tailored to your exact needs.
