Workers Compensation Insurance

Workers' Compensation for Homecare Agencies!

Our insurance packages are designed to help home health care agencies provide care for their clients without having to worry about the cost of insurance. We offer a variety of plans that can be customized to fit the needs of any agency, and we're always working to keep our rates affordable.

Our specialty markets allow you to minimize your home health care workers compensation insurance cost each and every year. If you are a start-up with no experience, a 15-year-old agency with adverse claims experience or a newer agency with a 0.89 modifier, we have a program for you.


We Offer Home Care Workers Compensation Insurance In 45 States

It's difficult and expensive to find workers compensation insurance for a home care agency in many states due to underwriting concerns around home care workers. This has caused many insurers to either tighten their underwriting criteria or leave the industry altogether. As a result, many home health care agencies have to pay higher rates into their state's insurance fund.


Insurance carriers are still writing home health coverage for us because we have been successful in the industry.


We've been helping home healthcare service providers find affordable coverage for over 28 years. Our team of specialists understand the unique underwriting requirements from insurance companies. That's why we've developed programs designed to help you get the best rates and most flexible payment options.

We work with the best carriers who write home health workers comp insurance.

There Are Three Ways to Start the Process Towards a
Workers' Comp Quote:


Complete our on-line application by
clicking HERE.


Call Jason Miller at 800-866-2682, Ext. 101, or shoot him an e-mail at Ask him which workers comp. program will be a fit for your situation. He will ask you a series of simple questions and let you know what rates and insurers we have available.


E-mail your current declarations pages to, to the attention of Jason Miller. With it, we can do a quick comparison to see if there are any savings available.

Workers' Comp Payment Plans

There are two methods by which workers' comp insurers arrange payment plans. Here we will Refer to them as the 'Traditional' method and the 'Pay-As-You-Go' method.

Traditional Method: At the beginning of a policy, an insured makes an estimate of payroll which generates an estimated annual premium. Monthly payments are made based on the estimate until the end of the policy year. At that time, a premium audit is conducted. The premium audit simply compares estimated payroll versus actual payroll for the policy year. If the payroll is less than estimated it generates a refund; if payroll is more than estimated it generates an invoice.

Pay-As-You-Go Method: An insured will, each month or quarter, complete a payroll reporting form with actual payroll by class code. On the form, an easy calculation is made which shows the total workers' comp. premium for the reporting period. With Pay-As-You-Go, an insured is never ahead or behind on their workers' compensation burden, an added plus if your payroll fluctuates seasonally or you are experiencing rapid growth!