Home Health Care
Workers' Compensation Insurance


We've developed affordable insurance programs for home health and companion care.

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Workers' Comp Coverage for Home Health Agencies

Workers' comp for home health can be hard to find and expensive in many states. Fears related to COVID-19 claims have caused many insurance companies to retract or tighten their underwriting requirements. A lot of home health care may end up paying higher workers' comp rates in their State Insurance Fund. Many of our insurance partners are still pricing coverage aggressively due to our success within your industry.

We've been helping home health care providers find affordable coverage for over 15 years. Our Specialists understand the unique underwriting requirements from the insurance companies. That's why we've developed programs designed to help you get the best rates and most flexible payment options.

We partner with the best carriers writing home health business insurance.

Pay As You Go

Improve cashflow and reduce the potential for big audit bills.

Comparison Pricing

Get quotes from multiple insurance companies to ensure the lowest rates.

Claims Management

Our carriers have experienced claim managers to close claims quickly.

Our Top Carriers for Home Health and Companion Care

Markel FirstComp is a national insurance company writing workers compensation for attendant care.

Markel FirstComp

Markel is a national carrier. Markel offers home health care workers comp coverage in most states throughout the United States

Markel Insurance

Accident Fund Insurance Company specializes in workers' compensation across the United States.

Accident Fund

Accident Fund Insurance Company of America has a very direct focus on writing workers comp coverage of home health aides.

Accident Fund

Cimarron Insurance Company writes hard to place workers comp in most states.

Cimarron Insurance

Cimarron is a fast growing insurance company providing Pay As You Go coverage for home health care service providers.

Cimarron Insurance

Benchmark Insurance Company is a mono-line workers comp carrier doing business in most states.

Benchmark Insurance

Benchmark ia writing coverage in most states. Home health care insurance in one of their top industries.

Benchmark Insurance

Normandy is a fast growing insurance company with a very broad underwriting appetite.

Normandy Insurance

Normandy has some of the lowest rates for home health services. They are open for business in most states.

Normandy Insurance

ICW Group is a national insurance company that quotes workers comp in most states.

ICW Group

ICW Group offers coverage for select in-home health care providers. They have outstanding rates for target risks.

ICW Group

UBIC specializes in tough work comp class codes including home health and heavy construction.

UBIC Insurance

UBIC offers excellent rates as well as loss control resources for home health and residential care services.

UBIC Insurance

PIE Insurance began offering competitive rates on work comp in 2019 and are expanding fast.

PIE Insurance

PIE Insurance Company is a A-Rated Carrier. Traveling health care and hospice in home agencies are target class codes.

PIE Insurance

 Synergy Coverage Solutions Workers' Compensation Insurance

Synergy Coverage Solutions

Synergy Coverage Solutions focuses on loss prevention and claims management to help employers control insurance costs.

Synergy Coverage Solutions

We help business owners find the very best deal on workers' comp insurance.

The right work comp quote makes a big difference in price.

Shop home health coverage with the experts

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Workers' Compensation Class Codes Related to Home Health

Employees are grouped into classification codes based on what they do for their job. The National Council on Compensation Insurance (NCCI) currently utilizes nearly 800 class codes to help insurance companies categorize employees. Insurance companies create a manual rate for each class code in order to price a policy.

Properly classifying workers is an important part of the quote process. Misclassified home heath agencies may end up overpaying for workers comp coverage. Or they may be reclassified to the correct classification codes during an audit.

Class Code 8835 | Home Health Care- All Employees

Businesses primarily engaged in providing unskilled or skilled nursing services in the homes of individual patients. Services often include personal home health aide services, homemaker and companion care services, physical therapy, medical or social services, medication administration, medical equipment and supplies, counseling, 24-hour home care, occupation and vocational therapy, dietary and nutritional services, speech therapy, audiology, and high-tech care such as intravenous therapy.

Employees in this class code can include registered nurses, LPN's, certified nurses aides, home health aides, social workers and therapists. In most states Class Code 8835 also includes homemaker services and companion care. This includes physical assistance with daily activities such as hygiene, dressing, cooking, eating, housekeeping and organizing medications.

Alternative State Class Codes for Home Health Care:

Some states utilize special class codes for classifying and pricing home health care insurance rates. Below is a list of all class code associated with home care services.

Class Code State
8835 NCCI States | Home Health Care
8827 California | Home Care Services
943 Delaware / Pennsylvania | Non-Professional
942 Delaware / Pennsylvania | Professional
9051 New York | Home Health Care Services- Daily Living Skills
8828 Texas | Home Health care, Companion Care, Visiting Nurses

Synonyms: in-home health care, attendant care, home health care, traveling healthcare, traveling nurse, home health agency, home health aide, in-home hospice, companion care

Workers Compensation Shop.com is licensed in all 50 states. We are proud to offer you national coverage.

Workers Compensation Shop.com is a national Agency, licensed throughout the United States.

Get the Best Home Care Insurance

A lot of home health care businesses are insured by their state workers' compensation fund. Others agencies are paying more than necessary and they're using installment plans based on estimated payroll. We help our customers find the best insurance rates for each unique state and home home health agency. Our Pay As You Go payment plans will improve your business cash flow. We work with new home health agencies and agencies with higher Experience Modification Ratings. We've been writing home health since 2005.

Program Features
No Minimum Premium Requirements
Pay As You Go Work Comp- $0 Deposit
Guaranteed Cost and Deductible Options
National Home Health Care Expertise
More Markets for More Solutions   We shop renewals too
Commercial Package Insurance Options

Workers' Comp Covers Home Health Workers

What does workers comp cover?

Workers' comp coverage protects employees when injured. It makes good financial sense for both parties.

Injuries and accidents happen. A workers' comp policy is a no-fault system that pays for these accidents and claims. It's required by law in most states.
  • Loss of income for employees unable to perform job duties
  • Medical expenses for employees injured on the job
  • Retraining expenses for employees unable to return
  • Permanent injury or disability for lasting injuries
  • Survivor benefits if employees are killed on the job

Coverage does not protect employers from everything. Sometimes employees and employers can be negligent.

Workmans comp does not cover negligence
In some instances, workers' compensation coverage will not protect employers or employees from the legal liability resulting from a workplace injury.
  • Injuries resulting from a violation of the law
  • Incidents resulting from employees' use fo drugs or alcohol
  • Injuries that did not occur in connection with the job
  • Clear company policy violations
  • Injuries that did not occur in connection with the job

Home Health Care Insurance Programs

The cost of home care insurance has been increasing. General liability and professional liability insurance has been the major cause of the increase in the cost of home care insurance. We've partnered with our insurance companies to provide more affordable commercial insurance packages for our workers' comp customers. Ask about our package insurance options for home health care services:

  Home Health Care Liability Insurance- Claims-Made Basis, $0 Deductible

  Workers' Compensation and Employers Liability

  Personal Property and Commercial Property

  Umbrella Liability and more

Not all lines of insurance coverage or all class codes will be available in all states. Contact one of our home health care workers' comp Specialists for program details on general liability and workers' compensation insurance.


Get Started Now

Start a quote online or give one of our experts a call at 888-611-7467.

How Much Does Home Health Agency Insurance Cost?

The average rate our customers pay for workers' compensation under the home health class code is around $2.79 per $100 of payroll. The average cost for a general liability insurance policy is about $1,900.00.

Workers' Comp Costs

  • Work Comp is priced based on payroll
  • Your state and EMR Rating will affect your cost
  • The type of agency can modify rates
  • Premium discounts and policy credits may apply

General Liability Costs

  • GL rates for home health are based on sales (rated per $1000)
  • Gross revenue may affect pricing
  • The type of services matters to underwriters
  • Prior clams and years in business affect pricing
  • SIC codes- 8082- Home Health Care Services

Home Health Agency Liability Costs

  • Errors and Omissions rates are based on customer and employees count
  • Gross revenue may affect pricing
  • Procedures and processes matter to underwriters
  • Prior clams and years in business affect pricing

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Getting home health Insurance quotes
We understand Home Health. And we work harder to shop your coverage. Here's what we will want to know:
  • Your business details and location(s)
  • Estimated payroll and class code information
  • Claim details and loss history- if applicable
Other Industries Related to Home Health Care
We help home health agencies with and without skilled nurses. Our Specialists find the best insurance for home health care:
  • Home health aide & companion care
  • Medical and non-medical companion care
  • Group homes and nursing homes

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Pay As You Go Workers Compensation Insurance Options.

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Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.

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