Healthcare Facility Insurance
Home health agency insurance built around field-staff risk
Home health risk lives in the field: clinicians in patient homes, personal vehicles on agency business, and a workforce that blends W-2 staff with contractors. We build programs around how agencies actually operate.
What we place
- Professional & General Liability
Coverage for skilled visits, therapy, aides, and private duty, with markets for Medicare-certified and private-pay agencies alike. - Workers’ Compensation
Field-staff class codes priced right, with loss analysis and mod review on every renewal. - Hired & Non-Owned Auto
The exposure most agencies underinsure: staff driving personal vehicles to patient homes every day. - Cyber & Crime
PHI in the field and remote access create real cyber exposure for home health operations.
How we work
Every account starts with a complete, carrier-ready submission. We analyze your loss runs, document your exposures, and write the underwriting narrative before your account ever hits a desk. Then we market it to the carriers and wholesale markets that actually want your class of business and negotiate terms, not just price.
After binding, the work continues: certificates, endorsements, premium audit review, experience mod analysis, and claims advocacy all year. You work with Ari Baer directly, supported by a service team built for the complexity of healthcare facility programs.
If your agency puts clinicians in patient homes, your insurance program should be built for exactly that.
Exposures We Understand
Underwriting that reflects how you actually operate
W-2 versus 1099
Your workforce mix drives both liability and comp placement. We structure the program around it instead of ignoring it.
Visit volume & radius
Annual visits, disciplines, and service radius are the exposure base. We present them cleanly so pricing is accurate.
Non-owned auto
A caregiver’s fender-bender on the way to a visit can become the agency’s claim. We make sure that gap is closed.
Background & credentialing
Documented background checks and license verification are underwriting credits. We make sure you get them.
Accreditation
ACHC, CHAP, and Joint Commission status strengthen your submission. We put it front and center.
Growth & acquisitions
Adding counties, branches, or acquired books mid-term requires a broker who keeps the program aligned as you grow.
Get a quote for your facility
Complete the intake in about ten minutes, or call 818-937-1827.