Workers' Comp Coverage for Home Health Agencies

Home health care insurance is hard to find and expensive in many states. Underwriting concerns related to COVID have caused many insurance companies to tighten their underwriting or exit the industry. Many home health care agencies end up paying higher work comp rates in their State Insurance Fund.

We’ve been helping home health care service providers find affordable coverage for over 15 years. Our Specialists understand the unique underwriting requirements from the insurance companies. That’s why we’ve developed programs designed to help you get the best rates and most flexible payment options.

We partner with the best carriers writing home health business insurance.

Pay as you go

Improve cashflow and reduce the potential for big audit bills.

Comparison Pricing

Get quotes from multiple insurance companies to ensure the lowest rates.

Claims Management

Our carriers have experienced claim managers to close claims quickly.

Workers' Compensation Class Codes Related to Home Health

Employees are grouped into classification codes based on what they do for their job. The National Council on Compensation Insurance (NCCI) currently utilizes nearly 800 class codes to help insurance companies categorize employees. Insurance companies create a manual rate for each class code in order to price a policy.

Properly classifying workers is an important part of the quote process. Misclassified home heath agencies may end up overpaying for workers comp coverage. Or they may be reclassified to the correct classification codes during an audit.

Home Health Care

Class Code 8835
Home Health Care- All Employees

Businesses primarily engaged in providing unskilled or skilled nursing services in the homes of individual patients. Services often include personal home health aide services, homemaker and companion care services, physical therapy, medical or social services, medication administration, medical equipment and supplies, counseling, 24-hour home care, occupation and vocational therapy, dietary and nutritional services, speech therapy, audiology, and high-tech care such as intravenous therapy. Employees in this class code can include registered nurses, LPN's, certified nurses aides, home health aides, social workers and therapists. In most states Class Code 8835 also includes homemaker services and companion care. This includes physical assistance with daily activities such as hygiene, dressing, cooking, eating, housekeeping and organizing medications.

Alternative State Class Codes for Home Health Care:

Some states utilize special class codes for classifying and pricing home health care insurance rates. Below is a list of all class code associated with home care services.

Synonyms: in-home health care, attendant care, home health care, traveling healthcare, traveling nurse, home health agency, home health aide, in-home hospice, companion care


licensed throughout the United States

How Does Workers' Comp Work?

Workers' comp coverage protects employees when injured. It makes good financial sense for both parties.

Injuries and accidents happen. A workers’ comp policy is a no-fault system that pays for these accidents and claims. It’s required by law in most states.

Coverage does not protect employers from everything. Sometimes employees and employers can be negligent.

In some instances, workers’ compensation coverage will not protect employers or employees from the legal liability resulting from a workplace injury.

How Much Does Home Health Agency Insurance Cost?

The average rate our customers pay for workers’ compensation under the home health class code is around $2.79 per $100 of payroll. The average cost for a general liability insurance policy is about $1,900.00.
  • Work Comp is priced based on payroll
  • Your state and EMR Rating will affect your cost
  • The type of agency can modify rates
  • Premium discounts and policy credits may apply
  • GL rates for home health are based on sales (rated per $1000)
  • Gross revenue may affect pricing
  • The type of services matters to underwriters
  • Prior clams and years in business affect pricing
  • SIC codes- 8082- Home Health Care Services
  • Errors and Omissions rates are based on customer and employees count
  • Gross revenue may affect pricing
  • Procedures and processes matter to underwriters
  • Prior clams and years in business affect pricing

Getting home health Insurance quotes

We understand Home Health. And we work harder to shop your coverage. Here’s what we will want to know:

Other Industries Related to Home Health Care

We help home health agencies with and without skilled nurses. Our Specialists find the best insurance for home health care:

We've developed affordable insurance programs for home health and companion care.