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We've been helping home health care providers find affordable coverage for over 15 years. Our Experts 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.
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Our carriers have experienced claim managers to close claims quickly.
Markel is a national carrier. Markel offers home healthcare workers comp coverage in most states throughout the United States
Accident Fund Insurance Company of America has a very direct focus on writing workers comp coverage of home health aides.
Cimarron is a fast growing insurance company providing Pay As You Go coverage for home health care service providers.
Benchmark ia writing coverage in most states. Home healthcare insurance in one of their top industries.
Normandy has some of the lowest rates for home health services. They are open for business in most states.
ICW Group offers coverage for select in-home health care providers. They have outstanding rates for target risks.
UBIC offers excellent rates as well as loss control resources for home health and residential care services.
PIE Insurance Company is a A-Rated Carrier. Traveling health care and hospice in home agencies are target class codes.
Synergy Coverage Solutions
Synergy Coverage Solutions focuses on loss prevention and claims management to help employers control insurance costs.
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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.
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:
Many states often use special class codes, other than the class codes recommended by NCCI, for certain industries.
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
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.
Contact Congress Today to Protect Home Health Care and Front Line Workers
Posted May 14, 2020
As the COVID-19 pandemic extends, Congress returns to policy making this week to develop the next federal relief package for businesses. State and Federal Lawmakers need to hear from everyone to ensure that all sectors of the home care industry are considered and included in this next round of funding. It only takes just a few minutes to send these critical messages to protect the home health care industry and those workers who have remained on the front lines throughout this public health emergency. Time is of the essence. Please encourage your home health and hospice colleagues and friends to take action in order to protect and support front line workers.
Please reach out to your your Senators and Representatives today and ask for their support in protecting our front line workers in home care.
Workers' comp coverage protects employees when injured. It makes good financial sense for both parties.
Coverage does not protect employers from everything. Sometimes employees and employers can be negligent.
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