Find the right home care insurance in minutes.
Coverage for personal care, companion care, and home care aide agencies — placed with companies that rate non-medical care as what it is, not as nursing. We handle the class codes and the shopping; you get quotes in 24–48 hours.
Provide skilled nursing or therapy? We cover that too — call (513) 866-3655
What it is
What home care insurance covers.
“Home care insurance” isn’t one policy — it’s a stack of a few, built around how your agency actually operates. Most non-medical agencies carry these five lines.
You don’t need to know which ones you need. Tell us about your work and your broker builds the stack.
Who needs it
Every kind of home care agency — priced differently.
Personal care & companion agencies
Bathing, dressing, meals, errands, companionship. The broadest carrier appetite in home care — most markets will quote you, which means the job is getting them to compete, not finding one who’ll say yes.
Franchise locations
Your franchisor mandates specific limits and endorsements — often including full A&M limits and additional-insured wording. We read the franchise agreement and build the COI to spec the first time.
1099 registries & contractor models
Caregiver classification is the first thing an underwriter asks about. Registries get declined by default in many markets — the fix is the right carrier plus clean caregiver agreements, not reworking your whole model.
Medicaid waiver & state-contract agencies
State contracts come with insurance schedules that don’t negotiate. We know the common state requirements and place coverage that passes the contract review, not just the quote stage.
Agencies adding a skilled line
The moment a nurse joins your roster, your risk class changes and some carriers walk. Tell us before you make the hire — we’ll place coverage that grows with you instead of forcing a mid-term scramble.
New home care agencies
First-year agencies pay more, but several of our markets write them — and most states require proof of coverage before they’ll issue your license, so this is usually step one.
Something in between?
Most agencies are a mix. Describe your actual service split in the form — that’s what your broker prices.
The Casey difference
Insurance without the homework.
01
One conversation
Tell us what you do in plain English. We ask the right questions, tell you what coverage you need, and build the application for you.
02
Pay less for more
Our technology scans the market and finds the best value for your risk. Your broker then tailors the coverage — no gaps, nothing you don’t need.
03
Service in minutes
Instant self-serve COIs. Around-the-clock support for everything else. No office hours, no waiting on a callback.
04
A broker who picks up
One licensed broker owns your account through every renewal. Call, and someone who knows your business answers.
Common questions
Home care insurance, answered.
How much does home care insurance cost?
It depends on payroll, revenue, and claims history. As a rough anchor, General and Professional Liability together for a small non-medical agency often run $2,000–$5,000 a year; workers’ comp is usually the bigger line, driven by caregiver payroll. We quote your actual operation rather than a generic home care rate.
We’re non-medical — do we really need professional liability?
Yes. “Non-medical” doesn’t mean “no care decisions.” A fall during a transfer, a missed medication reminder, a dietary mistake — these become professional liability claims. It’s also the line most state licensing boards and franchisors require on your COI.
My caregivers are 1099 contractors. Is that a problem?
It’s a placement problem, not a dead end. Many markets decline 1099-heavy models by default, and misclassification creates real coverage gaps — but carriers exist that write registries and contractor models on their own terms. Expect questions about your caregiver agreements and who directs the work.
Do I really need abuse & molestation coverage?
Yes — and check whether your current policy sublimits it to a fraction of your GL limit, because many do. State Medicaid contracts, franchisors, and referral partners increasingly require full limits. An allegation alone, even one that’s dismissed, generates defense costs your agency shouldn’t carry alone.
My caregivers drive clients in their own cars. Am I covered?
Not by default. Your caregivers’ personal auto policies respond first — and often poorly — while your agency gets named in the suit anyway. Hired & Non-Owned Auto fills that gap. If you own vehicles or reimburse mileage systematically, we’ll price commercial auto alongside it.
I’m starting a brand-new home care agency. Can I get covered?
Yes. New agencies pay more for the first 12 months, but several of our markets write them — and since most states require proof of coverage before issuing your license, this is usually step one. Expect questions about your own background in care.
Let’s get started.
Send it in and a licensed broker calls you back right away.
Want to speed up your quote?