Home Care Agency Insurance — Professional Liability, GL, Workers Comp & More | Ermitage Risk
Specialized Insurance for Home Care

Coverage built for home care agencies.

Professional Liability, General Liability, and caregiver benefits — purpose-built for non-medical home care. Quote in 5 minutes. Premium adjusts monthly with your actual revenue. No surprises at audit.

🌎 Coverage available nationwide — contact us for your state
Get a Quote See how it works
5 min To a bindable quote
$1M / $3M PL limits standard
Nationwide Available in all 50 states
Get a quote
No obligation · Quote in under 5 minutes
What we cover

Purpose-built insurance for home care agencies.

Home care is not a general business. The exposures are different — client injuries, caregiver errors, abuse allegations, vehicle use, employee theft. We build your coverage package around the specific risks of running a home care agency, not around a generic small business form.

  • ✓Coverage tailored specifically to non-medical and skilled home care
  • ✓Available nationwide — all 50 states
  • ✓Quote in under 5 minutes — no broker required
  • ✓Monthly premium adjustment based on your actual revenue — no audit surprises
  • ✓All lines sourced from a single agency — one relationship, one renewal
5 min
To a bindable
PL & GL quote
$0
Audit bill
at year end
5
Core coverage
lines available
50
States —
available nationwide
Solutions Group guarantees a quote in 24 hours.
We quote in under 5 minutes.
Core liability coverages
🛡️
Required by most states
Professional Liability
Covers claims arising from errors, omissions, or negligence in the delivery of home care services. When a caregiver makes a mistake — a medication error, an improper transfer, a missed visit that leads to a fall — this is the coverage that protects your agency. Defense costs are included within the limit.
Per claim limit $1,000,000
Aggregate limit $3,000,000
Form Claims-made · Prior acts available
Rating basis Per weighted FTE
Defense costs included within limit
Abuse & Molestation sublimit included
Medical Payments — $5,000 per person
Prior acts coverage available at inception
⚖️
Required by most states
General Liability
Covers bodily injury and property damage claims arising from your operations — client falls, caregiver-caused property damage, third-party injuries during a home care visit. Unlike most programs, our GL premium adjusts monthly to match your actual gross revenue, eliminating the annual audit entirely.
Per occurrence $1,000,000
Aggregate limit $2,000,000
Rating basis Per $1,000 gross revenue
Premium adjustment Monthly — no year-end audit
Bodily injury & property damage
Products & completed operations
Personal & advertising injury
No audit surprise at renewal
Additional coverages — sourced from the market
🔑
Employee Dishonesty & Bonding
Protects your agency and your clients against theft, fraud, or dishonest acts committed by your caregivers. Many states require a fidelity bond as a condition of home care licensure. Covers cash, property, and client valuables stolen by an employee.
Often required for licensing
🏗️
Workers Compensation
Mandatory in nearly every state, workers comp covers your caregivers for on-the-job injuries — strains, falls, client altercations, needle sticks. Home care has one of the highest injury rates of any industry. Sourced from specialist carriers with home care experience.
Mandatory in most states
🚗
Hired & Non-Owned Auto
Covers your agency's liability when caregivers use their personal vehicles — or vehicles your agency rents — to transport clients or travel between assignments. Without this coverage, a caregiver accident while on the clock creates an uninsured exposure for your agency.
Critical gap coverage
Why Ermitage Risk
⚡
5-Minute Quote
Our AI underwriting engine returns a bindable quote while you're still at your desk. No 24-hour wait. No broker middleman.
📊
No Audit Surprises
GL premium adjusts monthly based on your actual revenue. No year-end audit. No unexpected bill when your agency grows.
📱
Risk Mitigation Built In
Safety protocols delivered to caregiver phones before each shift. Fewer incidents means better claims experience and lower premiums over time.
🌎
Available Nationwide
Coverage available in all 50 states. One agency relationship for all your insurance needs — PL, GL, bonding, workers comp, and auto.
How it works

From application to bound policy in minutes

No broker required. No waiting. Our AI underwriting engine processes your submission instantly and returns a bindable premium indication based on your actual operations.

1
Complete the online application
Tell us about your agency — caregivers by type, states of operation, gross revenue, and services provided. Takes about 3 minutes.
⏱ ~3 minutes
2
Instant underwriting review
Our automated system evaluates your submission against program guidelines. Standard accounts are priced immediately. Complex accounts are flagged for underwriter review.
⏱ Under 60 seconds
3
Receive your bindable quote
A premium indication arrives in your inbox with Professional Liability and General Liability premiums broken out. All limits, exclusions, and conditions are clearly stated.
⏱ ~5 minutes total
4
Accept and bind online
Click Accept Quote. Your declarations page is generated automatically and emailed within minutes. No phone calls, no paperwork, no waiting for a broker.
⏱ Immediate issuance
5
Monthly premium adjustment
Log into your portal each month and report your revenue. Your GL premium adjusts automatically. No annual audit reconciliation. No surprise bills.
⏱ 2 minutes per month
Policy Issued
Sunshine Home Care LLC
HC-2026-IL-00042-01
Effective
April 1, 2026
Expiration
April 1, 2027
State
Illinois
Annual Premium
$4,850
Professional Liability $1M / $3M
General Liability $1M / $2M
Abuse & Molestation $250K / $500K
Medical Payments $5,000 / person
✓ Policy packet emailed · Declarations page included · Active coverage
Why Ermitage Risk

Three things no other agency offers.

We built the underwriting system, the issuance pipeline, and the risk mitigation content from the ground up. This is what specialization looks like.

Speed
A bindable quote in under 5 minutes.
Traditional brokers take days. Some take weeks. We built an AI underwriting engine that reads your application, evaluates it against our guidelines, calculates a premium, and delivers a quote while you're still at your desk. No back-and-forth. No waiting.
5 min Average time
from application to quote
Precision
Monthly premium based on what you actually earn.
General Liability premiums are traditionally estimated at inception and reconciled at an annual audit — which often results in unexpected bills when your business grows. We calculate your GL premium on your actual monthly revenue. It goes up when your revenue goes up and down when it goes down. No audit. No surprises.
$0 Audit bill at
year end
Risk Reduction
Safety content delivered to every caregiver's phone.
We send targeted risk mitigation protocols directly to your caregivers through their mobile app — transfer and mobility safety before a high-fall-risk shift, elopement prevention for memory care clients, documentation guidance after an incident. Fewer incidents. Better claims outcomes. Lower premiums over time.
↓ Claim frequency
with active protocols
9:41 AM ●●●●
Good morning,
Sarah Johnson
Today's First Shift
Margaret Olsen — 8:00 AM
123 Maple St, Evanston · High fall risk
⚠️
Safety Protocol — Transfer Safety
Margaret uses a walker and has fall history. Review the safe transfer checklist before your shift.
Accident Insurance
$25/month · Your coverage
Active
Incident Report
Did something happen today?
File a report in 60 seconds →
For caregivers

Benefits that travel with your caregivers.

Home care caregivers are one of the most underserved workforces in America when it comes to benefits. We're changing that — with portable coverage that belongs to the caregiver, not the agency.

🛡️
Portable voluntary benefits
Accident insurance, hospital indemnity, and telehealth sold directly to caregivers. Coverage follows them even if they change agencies — because it belongs to them, not their employer.
📱
Safety protocols on their phone
Targeted micro-training delivered before each shift based on the client's care needs. Fall prevention. Transfer safety. Elopement protocols. Medication reminders. In 60-second formats caregivers actually read.
📋
Simple incident reporting
When something happens, caregivers file an incident notice directly from their phone — no paperwork, no delay. The agency is notified immediately, and the report is timestamped and documented for claims purposes.
💊
Telehealth access
On-demand virtual doctor visits for caregivers who can't take time off for medical appointments. $15/month. Available 24/7. Enormously valued by a workforce with unpredictable schedules.
For franchise networks

Turn your preferred vendor program into a revenue stream.

We're looking for one franchise network to pilot with. If your franchisees are home care agencies, we can offer them the best-in-class insurance program in the industry — and share the economics with you.

💰
Preferred vendor revenue share
Earn a percentage of every premium dollar placed by a franchisee. 200 locations at $4,200 average premium = $840K in annual GWP. Your share arrives passively with no operational work.
🏆
Differentiated franchisee offering
Exclusive access to specialized coverage, preferred rates, and monthly premium flexibility. A genuine recruitment advantage you can use in franchise development conversations.
📉
Network-wide risk reduction
Risk mitigation content delivered to every caregiver in your network reduces incident frequency. Fewer claims means better renewal rates for your franchisees long-term.
🗺️
State-by-state expansion
Pilot in Illinois. Expand as we add admitted paper state by state. No all-or-nothing commitment — we grow together on a shared roadmap.
Revenue Model — 200 Locations
Conservative year-1 projection · Actual terms negotiated
PL & GL Premium $268,800
Workers Comp (sourced) $120,000
Commercial Auto & Property $30,000
Caregiver Voluntary Benefits $57,600
Total Annual Revenue $476,400
Pilot Proposal
90-day pilot · Illinois · 20–50 locations
No exclusivity required. We provide the underwriting infrastructure. You provide the franchisee introduction. We split the economics.
Contact Us About a Partnership

Ready to get properly covered?

Home care agencies deserve insurance that understands their business. Get a bindable quote in 5 minutes — no broker, no waiting, no annual audit surprises.

Get a Quote Now Talk to an Underwriter
For franchise networks and technology partners
Partnership Inquiry
Interested in a preferred vendor arrangement?
We're actively looking for our first franchise network partner to pilot this program in Illinois. If your network includes home care agency franchisees, let's talk. One conversation could be worth hundreds of thousands in annual revenue for your network.
homecare@ermitagerisk.com | 970-725-6683 | Download Partnership Deck

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