Non-medical home care premiums
A small non-medical home care agency (personal care, companion, homemaker) with under 20 caregivers typically pays $2,500–$6,000 per year for general liability plus professional liability. Add workers' comp on top — usually 3–5% of caregiver payroll — plus non-owned auto ($500–$1,500) and cyber ($800–$2,500).
Medicare-certified home health premiums
Medicare-certified home health agencies delivering skilled nursing, physical therapy, or occupational therapy typically pay $8,000–$25,000+ for a full program. Larger agencies with multiple offices, IV therapy, or wound care can exceed $50,000 annually.
Hospice premiums
Hospice programs carry higher professional liability severity and typically pay $15,000–$40,000+ for a full stack including palliative care coverage, non-owned auto, cyber, and abuse & molestation.
What drives your specific premium
Underwriters price your program based on:
- •State (rate variance can be 2–3x)
- •Total annual payroll & revenue
- •Service mix (skilled nursing costs more than companion care)
- •Number of caregivers and 1099 vs W-2 mix
- •Prior claims (5-year loss runs)
- •Experience modification factor
- •Contract-required limits (higher = higher premium)
How to reduce your home healthcare insurance cost
The biggest wins are class-code cleanup, payroll accuracy at audit, active claims management to bring your ex-mod down, loss-control training, and shopping the market every renewal (not just when the incumbent hikes you 30%).
Talk to a home healthcare specialist
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