Home caregivers, aides, CNAs, RNs, PTs, NPs, therapists, LPNs all make up the workforce that’s considered home care.

Individuals seek out services because of ailing health, short-term rehab, companionship, or simply respite care. They are provided to pediatrics with health issues, adults with intellectual disabilities, or seniors who struggle with some ADLs. Not only are there more and more baby boomers reaching retirement age, some of which, may now require home care, but some of the traditional channels of residential care are being delayed as much as possible. Individuals are choosing to have independence and continue to live at home. Some of the challenges that nursing facilities faced with COVID further increased the number of seniors choosing to remain in the home.

This industry has been one of the fastest growing over the past 10 years and will still see double digit growth in the next five years. President Biden’s Infrastructure Bill would further enhance eligibility and increase state budgets for Medicaid related services, thus ensuring a continued need for services such as home care for the elderly. The commitment is there from all sides to keep the industry going strong, and we’re there to help with business insurance products for the home care and home health sector. MPL Risk provides Workers Compensation for Home Care, Liability insurance for home care, among many other lines of coverage such as Bonds, Business Auto, EPLI, Cyber Liability and much more.

We work with:

  • Home Care Agencies
  • Home Healthcare
  • Hospice at Home
  • Home Infusion
  • Home Therapy
  • Many more organizations

Our carriers can provide:

  • Claims-Made or Occurrence coverage
  • Package Liability Coverage including PL, GL, Sexual Abuse Liability, HNOA, Crime, Business Personal Property
  • Primary Limits of $1M/$3M and Excess Limits available
  • Workers Compensation Insurance
  • Other policy coverages available such as Auto Insurance, Building Insurance, EPLI & Cyber Liability
  • Coverage in all 50 states