Frequently Asked Questions

  • What types of organizations are eligible for our coverage?
    • For-profit and Not-for-profit Assisted Living Facilities
    • For-profit and Not-for-profit Continuing Care Retirement Communities
    • For-profit and Not-for-profit Independent Living Facilities
    • Healthcare Agencies that provide Domestic Services or "Home Aide Providers”
    • Home Healthcare Agencies
    • Hospices
    • Not-for-profit Skilled Care/Nursing Facilities
    • Short Stay Residential Rehabilitation Facilities
  • Is your product available in my state?
    • We can write hospice and home healthcare agencies in all 50 states.
    • We can write skilled nursing and assisted living facilities in all states except AK, HI + ND.
    • We can write Workers’ Compensation in all states except AK, HI, ND, OH, WA + WY.
  • What approved home healthcare franchises are currently qualified for your program?

    Franchisees of the following home aide organizations are currently qualified for our insurance program:

    • Acti-Kare
    • Aegin Place
    • Age Advantage
    • Always Best Care Senior Services
    • Americare
    • Comfort Keepers
    • ComForcare Senior Services
    • First Light Home Care
    • Home Care Assistance
    • Home Helpers
    • Home Instead
    • Homewatch International
    • LAS/Visiting Angels
    • Right at Home
    • Seniors Choice
    • Senior Helpers
    • Synergy Home Care
  • How are your products distributed?

    We’re proud to work with independent agents to distribute our products.

  • Do you offer Hired and Non-Owned Automobile Liability Coverage?

    Yes. There is an additional premium charge for this coverage, but it is available if an organization qualifies.

  • Do you offer premium financing?

    We don't offer premium financing, but we do offer premium payments on installments based on the amount of the total annual policy premiums.

  • Is Hired and Non-Owned Automobile Liability Coverage available?

    Yes, this coverage is available for organizations that qualify. There is an additional premium charge.

  • Do you offer medical malpractice coverage for physicians?

    Although we don’t offer individual policies for physicians or physician groups, we do include physicians as “additional insureds” under our Hospice and Home Healthcare Liability Coverage policy while they’re working on behalf of the organization. However, each physician must be specifically endorsed by name on each policy for coverage to apply.