How much does home healthcare workers' comp cost?

Rates range roughly $2–$8 per $100 of payroll depending on state and class code. A California agency with $500K in caregiver payroll might pay $15K–$25K annually; the same agency in a low-rate state may pay half that.

Can KTL help lower our ex-mod?

Yes. We audit past claims for reserve reductions, coordinate return-to-work programs, and provide loss-control resources to reduce future claim frequency.

Workers' Compensation

Workers' Compensation for Home Healthcare Agencies

Workers' compensation is one of the largest premium lines for any home healthcare agency — and one of the most volatile. Rates swing with state law, experience modification, class code, and payroll. KTL specializes in home health work comp: we benchmark your CNA, HHA, RN, LPN, and therapist payrolls across multiple carriers every renewal to keep costs down.

✓Class-code review (8829, 8835, 8854 and related codes)
✓Experience modification analysis every renewal
✓Access to specialty home health work comp carriers
✓Return-to-work and loss-control support

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Why home healthcare workers' comp is expensive

Home health workers face repetitive strain, slip-and-fall in unfamiliar homes, patient-handling injuries, and auto accidents traveling between cases. These frequency-driven exposures push loss ratios higher than most industries, which is why so many standard carriers won't quote home care at all.

Class codes that matter

Home healthcare typically uses NCCI class codes 8829 (Convalescent or Nursing Home — Health Care Employees), 8835 (Home, Public & Traveling Health Care), and 8854 (Home Care companion / homemaker) — with rates varying by 3–5x between them. Miscoded payroll is one of the most common ways agencies overpay.

Managing your experience mod

Your experience modification factor (ex-mod) directly multiplies your premium. KTL reviews your loss runs each renewal, challenges reserve-only claims, and coordinates return-to-work programs to bring your ex-mod down over time.

State-specific workers' comp for home health

California uses the WCIRB rating bureau with distinct rules for personal attendants. Texas is a non-subscriber state where opting out has major implications. New York, Ohio, North Dakota, Washington, and Wyoming operate monopolistic state funds. KTL structures your program based on where your caregivers actually work.

Talk to a home healthcare specialist

Get a benchmarked quote from multiple A-rated carriers within one business day.

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Frequently asked questions

In nearly every state, yes — as soon as you have one employee. Texas allows non-subscription but carries significant liability tradeoffs. Independent contractors are generally exempt, but misclassification is heavily scrutinized in home care.

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Tell us about your business and we'll benchmark you against multiple A-rated carriers. Most quotes come back within one business day.

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