Workers Comp for Home Health and Home Care Agencies
Your caregivers lift, drive and work alone in homes you do not control. Tell us about your agency and a licensed agent or partner may contact you about workers comp.
- Skilled and non-medical home care
- New agencies and renewals
- Agencies leaving a PEO or state plan
Home care workers comp request
For agencies that send caregivers into clients' homes.
Coverage
What shapes a care agency's comp program
Classification, injury exposure and how you staff visits all show up in underwriting.
How it works
From request to a comp quote
Describe your agency
Care type, office ZIP, caregiver count and payroll band.
Expect a follow-up
A licensed agent or partner may contact you to fill in details.
Review proposals
Compare classification, rates, payment plans and loss-control support.
Why care agencies are different
The workplace is someone else's home
Caregivers face stairs, pets, clutter and patient transfers with no co-worker nearby. Insurers look closely at how an agency trains and supports them.
Patient handling
Transfers and repositioning drive many strain claims.
Time on the road
Travel between visits brings auto exposure.
Working alone
Policies for unsafe homes and difficult visits matter.
Payroll records
Final premium is usually based on audited payroll.
Guides
Guides for agency owners
When Caregivers Drive Between Client Visits
Who pays when a caregiver is hurt or causes a crash on the way to a client, and what an agency can put in place.
Read the guideReturn to Work for Injured Caregivers
Modified duty, doctor's restrictions and communication habits that help caregivers recover and get back on the schedule.
Read the guideQuestions agencies ask
Are you an insurance company?
No. HomeHealthWorkersComp passes requests to licensed agents and partners. It does not issue policies or set premiums.
What does it cost to request quotes?
Nothing. There is no fee to submit a request.
Who will contact me?
A licensed agent or partner who writes workers comp for care providers may call, text or email you as you agreed on the form.
We are in a state assigned risk plan. Can we still ask?
Yes. Agencies in an assigned risk plan often look for voluntary market coverage once they have some claims-free history.
Do you cover professional liability too?
This site focuses on workers comp. Agents who contact you may discuss other coverage, such as professional or general liability, if you ask.
Renewal coming up for your agency?
Share your care type, staff count and payroll band. A licensed agent or partner may contact you to review comp options.