Workers' Compensation Coverage for Home Healthcare

Coverage, Class Codes, and Finding Affordable Insurance
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HomeHealth Care

Why Choose Our Home Health Workers' Comp Program?

Discover the Key Benefits of Our Coverage
Specialized Workers' Comp Coverage

Specialized Workers' Comp Coverage

We specialize in providing workers’ comp insurance tailored to the unique needs of home health agencies, overcoming industry challenges.
Flexible Payment Plans

Flexible Payment Plans

We offer flexible payment options, allowing you to manage your insurance costs according to your business’s budget and cash flow needs.

Competitive Insurance Rates

Our programs offer some of the best rates in the market, helping you avoid the higher costs typically found in State Insurance Funds.
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  • Competitive rates help lower your insurance costs.
  • We avoid the high premiums of State Insurance Funds.
  • Partnerships with top carriers provide quality coverage at a reasonable price.
Extensive Industry Experience

Extensive Industry Experience

With over 15 years in the business, our team understands home health care insurance and can help you navigate complex underwriting requirements.
Trusted Carrier Partnerships

Trusted Carrier Partnerships

We partner with top insurance carriers, giving you access to a wide range of reliable coverage options for home health agencies.
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Workers’ Compensation Classification for Home Health
Understanding Class Codes and Their Impact on Policy Pricing
Understanding Class Codes

Understanding Class Codes

Workers’ compensation classification codes are used to categorize employees based on their job roles. The National Council on Compensation Insurance (NCCI) has nearly 800 class codes to help insurers determine the appropriate rate for different types of employees. Properly assigning these codes is crucial for accurate policy pricing.

Importance of Proper Classification

Importance of Proper Classification

Correctly classifying workers is key to obtaining an accurate workers’ compensation quote. Home health agencies that misclassify their employees may end up overpaying for insurance or facing reclassification during audits. Ensuring proper classification can help avoid unnecessary costs.

Manual Rate Determination

Manual Rate Determination

Insurance companies use class codes to create a manual rate for each employee category. This manual rate is then used to price workers’ compensation policies. The process of calculating rates relies heavily on correct classification, impacting the overall cost of coverage.

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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.
Class Codes
State
8835
NCCI States | Home Health Care
8827
California | Home Care Services
943
Delaware / Pennsylvania | Non-Professional
942
Delaware / Pennsylvania | Professional
9051
New York | Home Health Care Services- Daily Living Skills
8828
Texas | Home Health care, Companion Care, Visiting Nurses

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

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