workers compensation insurance - sg group

24/7 Coverage For Your Business and Employees

Protect your home care business with coverage tailored to your needs with the help of The Solutions Group. Since 1994, we have specialized in meeting the unique insurance requirements of home care agencies and hospices. 

We provide worker’s liability insurance in Texas as well as other helpful insurance products. Our goal is to offer our solutions at the most competitive rates possible so that, regardless of their size or how long they've been in business, all home health agencies and hospices can have the peace of mind that specialized coverage brings.

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Coverage Tailored to Your Home Care Business’s Needs

  1. Liability & Bonding Package

Our extensive experience and knowledge allow us to offer a liability and bonding package that provides 24/7 coverage against the unique risks your business faces. 

We offer general liability insurance, a must for any organization. In the home care industry, it comes in handy in many instances, such as if a caregiver damages their client’s property. Home care liability insurance also provides coverage if you are sued for libel or slander. Additionally, it may help you pay for medical expenses incurred from treating injuries that occurred on your premises. 

For more coverage, you have the option to add on other types of liability insurance, such as professional liability. This covers claims stemming from injuries to a client allegedly caused by the negligence of a caregiver. Some examples are burns while bathing a client, trips and falls while assisting a client and bed sores from failing to turn a client in bed regularly. 

 

2. Workers Compensation

Since we have specialized in home health care and hospice insurance for more than two decades, we understand the risks common to this industry. These include risks to your workers, not just your clients or your business. 

General liability and workers comp insurance provide a sturdy safety net in the event your employees become ill or injured on the job.

All U.S. states except Texas require workers compensation coverage for employees. However, even if your business is located in the Lone Star state or elsewhere, it's still a good idea to have insurance for home care agency employees, particularly  general liability and workers comp insurance.

Insurance for home care agency employees provides benefits to caregivers who get sick or become injured as a result of or during the course of their duties. It helps cover the costs of hospital visits, physical therapy, lost wages and other relevant expenses.  

Apart from helping caregivers get treatment and return to work faster, workers liability insurance also helps you cover legal costs in case you are sued for work-related illnesses and injuries.

3. Cyber & HIPAA Coverage 

A data breach can result not just in financial losses but also extensive reputational damage. This is especially true if the data breach resulted in sensitive patient information being released to unauthorized parties or the general public. 

Ensuring you have appropriate cybersecurity measures in place helps prevent breaches and noncompliance. Meanwhile, our cyber and HIPAA insurance products provide an extra layer of protection from the financial impact of these risks. 

While you might believe these perils are unlikely, the risk remains. What's more, cybercriminals tend to target smaller businesses, such as start-up home care agencies, since they typically don't have the sophisticated networks and cybersecurity protections that big organizations do. 

It's difficult to have peace of mind when you know that a single misstep can result in your home care agency or hospice's failure. 

Our cyber and HIPAA insurance helps your business cover the costs of defending your business against claims related to data breaches and HIPAA noncompliance, so you won't have to pay out of pocket. You can focus on rebuilding your business reputation without having to worry about your finances.

Why Choose Home Health Insurance

We Are Committed To Providing Expert Insurance Coverage Suited To Your Needs

Running a home health care agency is rewarding, as it provides many services that help improve the quality of life of older adults, persons with disabilities and other individuals who need specialized care. More than just helping clients with their daily activities and supporting their wellness, caregivers provide companionship and emotional support. 

Your business provides an invaluable service to your community. That's why you deserve comprehensive coverage against the many risks unique to your business.

Patients at home health agencies and hospices are typically highly prone to injuries and accidents. What's more, home caregivers must practice the utmost care to avoid damaging a patient's property while caring for them inside their home. 

Accidents cannot be foreseen or prevented, and even though we try our best not to, people make mistakes. When these events happen, you want to protect your business, assets and employees from the fallouts, lawsuits, a damaged reputation and financial hardships – so you can continue providing the quality service your clients need. 

The Solutions Group has been serving the home care and hospice industry for more than 25 years. We understand the challenges of running a business in this space, and we are dedicated to providing you with the coverage necessary to keep mistakes, accidents and other unforeseen events from driving a wrench into your operations.

The Solutions Group aims to deliver the most value to its customers. For this reason, we have developed packages consisting of innovative home care liability insurance solutions that provide 360-degree coverage at the best possible rates. 

With our insurance for home care agencies, you can rest easy knowing you can continue providing much-needed home health services to your clients even in the event of lawsuits due to injuries, cybersecurity breaches, accidents and other perils.

Hassle-Free Experience

We have created a fast, stress-free process to help you get your home care insurance in the fastest time possible and at reasonable rates. What’s more, we do not utilize pushy or intimidating tactics to get you to purchase our products. Our team will provide you with a quote and, if you’re happy with it, you may simply reach out to us to proceed with your application. We will not bombard you with emails or calls.

Track Record of Satisfied Clients

The Solutions Group is trusted and our insurance products used by more than 2,000 home care agencies and hospices nationwide. We’ve been in business since 1994, delivering tailored insurance solutions such as commercial crime bond, non-owned auto liability, contents insurance, umbrella liability, cyber liability and workers liability insurance in Texas. 

Guaranteed Quote in 24 Hours

You don’t have to wait days or even weeks for an insurance broker or agency to get back to you with a quote. Since we do our policy underwriting in-house, we can give you a quote for home care and workers liability insurance within just one day, saving you time. Once you agree with our rates, we can quickly proceed with finalizing your application so you can get the coverage your business needs as soon as possible.

How To Apply For Home Health Insurance Coverage

Get The Coverage You Need In 3 Simple Steps

1. Complete Our Online Application HERE.

Fill out your business information, your agency’s current insurance coverage, and the coverage you want to receive from SG Insurance.

2. Fax or Email a Copy of the Renewal Application

We’ll provide you with the details on where to send your application.

3. Talk to One of Our Friendly and Knowledgeable Associates

Let’s discuss your business and the type of insurance you want for your business in better detail.

Home Care Agency Insurance Brokers

Given the risks that come with the caregiving industry, you can never have too much coverage for your business and your employees. While SG Insurance specializes in home care and workers liability insurance, your agency can benefit from additional business insurance coverage. This is why we’re open to flexible insurance solutions to help protect your business interests.

At SG Insurance, we work with a limited number of brokers in the placement of medical staffing and home health care business insurance. We can quote based on almost any application, and will quote subject to loss runs.

We’re open to working with select insurance brokers for:

  • Start-up agencies
  • Small accounts with less than $25,000 in premiums
  • Accounts that need immediate turnaround
  • Accounts that need an occurrence policy form

We do not work with accounts with terrible claims history, accounts based in Rhode Island, and accounts with pediatric exposure. 

For more information, get in touch with Lauren Ferguson at lauren@solg.net or call (210) 429-7039.

Get In Touch With SG Insurance

Drop us a line today for a free quote!

What Our Clients Are Saying

I always appreciate working with the Solutions Group. They're very easy to work with, very accessible for questions, etc. and I feel like they have the best interests of my company at heart and that they aren't just out to make a buck. They recommend things and explain why and they don't try and upsell things that won't be very beneficial. I've never worked with anyone else on insurance and I don't plan to!

  • Richard

Jason Miller and David Dickie are so professional and quick that I would never use any other service but theirs. My insurance needs change as my business grows and they make it so easy to fill out their forms and get coverage bound fast. The longest it's ever taken is 48 hours and that's only because of a holiday that got in the way. Thank you so much Solutions Group!!

  • Christina’s Angels

I have worked with this company for the last 15 years to insure my home health care agency and my experience is nothing less than excellent. Thanks for the good work to you and all your staff.

  • Roberto C.