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Home Healthcare Insurance Blog
Straight answers to the questions home care agency owners are asking — cost benchmarks, coverage guides, workers' comp deep dives, and state requirement updates.
Nevada's New Workers' Comp Laws: What SB 317 Changes for Employers
Nevada SB 317 amended NRS 616A-616D with a staged rollout through 2027 — graduated fines, tighter claim-handling deadlines, higher benefit caps, and a coming drug formulary. Here is the employer's summary.
Read article →Why Consultants Need Insurance: A Practical Guide
A single missed deadline, a data breach, or a client claiming your advice cost them money can wipe out years of consulting income. Here is the coverage every consultant should understand before signing the next contract.
Read article →9 Ways to Lower Your Workers' Comp Premium in 2026
Most businesses overpay for workers' comp because of a wrong class code, an unmanaged ex-mod, or a policy that has not been shopped in years. Here are nine levers that actually move the premium.
Read article →Do I Need Workers' Comp Insurance? CA, AZ & NV Rules
California requires workers' comp from the first employee. Arizona and Nevada are close behind. Here is exactly when you are required to carry it, what happens if you do not, and how contractors and agencies get compliant the same week.
Read article →Certificate of Insurance (COI): The Complete Guide
A plain-English guide to certificates of insurance: what a COI proves, how to read an ACORD 25, certificate holder vs. additional insured, and what contractors and home care agencies need to win contracts.
Read article →Home Care Agency Insurance Cost Guide (2026)
A complete home care agency insurance cost guide — what each coverage actually costs in 2026, what drives your premium up, and how to benchmark across carriers to pay less.
Read article →The Hartford vs. Philadelphia Insurance for Home Care Agencies
How The Hartford and Philadelphia Insurance (PHLY) actually compare for home care agencies — skilled vs. non-medical appetite, prof liability form, and workers' comp pricing.
Read article →How Much Does Insurance Pay for Home Health Care — and What Does Home Healthcare Insurance Cost in 2026?
How much does insurance pay for home health care — and how much does an agency pay to be insured? Benchmarks for Medicare, Medicaid, private health plans, long-term care, and commercial agency programs.
Read article →What Insurance Does a Home Care Agency Need?
The eight coverages every home care agency should carry before their first client visit — and why a generic BOP falls short.
Read article →Workers' Compensation Requirements for Caregivers
A plain-English guide to caregiver workers' comp — class codes, state rules, and how to keep premium in check as you scale.
Read article →Home Health vs. Home Care Insurance: A Coverage Guide
Understand the insurance differences between skilled home health care agencies and non-medical home care agencies — and why the wrong policy leaves you exposed.
Read article →Workers' Comp Insurance Cost by State & Class Code (2026)
Full 2026 rate tables for all 50 states, the class codes that drive your premium, minimum premiums, and monopolistic state fund rules — plus a free instant estimate that prices your own payroll in 15 seconds.
Read article →Travelers vs. CNA for Business Insurance
Two of the largest commercial carriers in the country, with very different sweet spots. Here is how Travelers and CNA actually compare on appetite, forms, pricing and claims.
Read article →Chubb vs. Hiscox for Small Business Insurance
Hiscox is built for micro-businesses and consultants. Chubb is built for accounts with real assets and contract demands. Here is where each one wins.
Read article →NEXT vs. Hiscox for Small Business Insurance
Both quote online in minutes and both are cheap. The difference is who they were built for — trades and contractors versus consultants and professional services.
Read article →State Fund vs. Private Workers' Comp in California
State Fund never declines an eligible California employer — but that guarantee is not always the cheapest or best-serviced option. Here is how the two really compare.
Read article →Three ways to work with KTL — pick what fits.
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