Home Health Care and Nurse Registries Insurance For NC and VA

Ideal accounts and appetite

• Basic Care — non-nursing caregivers, companions, homemakers and personal care attendants
• Skilled Care — licensed nurses and clinical staff providing skilled nursing services in the home
• Nurse registries — referral/placement firms that place nurses, therapists and aides with clients
• Certified Nursing Assistants (CNAs), home health aides and private-duty caregivers

Typical accounts are small to mid-sized agencies that provide in-home personal care, companion services, homemaker assistance, private-duty nursing and registry placement services. We generally prefer agencies with documented hiring, screening and training practices, and clear supervisory structures for clinical staff.

Coverage highlights and advantages

• General Liability limits available up to $1,000,000 per occurrence / $3,000,000 aggregate
• Professional Liability to address clinical and nursing malpractice exposures
• Optional Sexual Molestation coverage (limits available; carrier dependent)
• Hired and Non-Owned Auto coverages available where needed for caregiver travel exposure
• Damage to Premises Rented to You up to $100,000 and Medical Payments up to $5,000
• Occurrence form available; defense outside the limits to preserve policy limits for indemnity

Underwriting notes

Underwriters will review client screening, background checks, licensure verification, training programs, supervision of unlicensed caregivers, and any contract requirements with facilities or hospitals. High-risk features that may require special handling or non-placement include 24-hour live-in care without adequate staffing plans, behavioral health patients with a history of violence, or agencies that perform invasive medical procedures beyond licensed scope.

If you have specific questions about unusual exposures, new ventures (e.g., telehealth services or durable medical equipment sales), or multi-state exposures, provide full details on the submission so underwriting can evaluate appropriate terms and endorsements.

Territories and availability

This program is available for placements in NC, VA, and DC. Availability, terms and whether a submission is placed on an admitted or non-admitted basis can vary by state and account specifics — submit detailed applications and loss runs for a timely review.

Why place this business with Agents Insurance Markets, Inc.

• Specialized focus — AIM works with carrier partners familiar with home health and registry exposures.
• Program flexibility — endorsements for employees as insureds, additional insureds and property floaters support the operational realities of home care agencies.
• Responsive underwriting — AIM is positioned to provide quick feedback on eligibility and typical clarifying questions to get accounts bound faster.
• Carrier access — working relationships with reputable markets such as Western World Ins. Co. for eligible risks.

Example account scenarios

• You may have a 12-person nurse registry that places CNAs and licensed practical nurses with private clients and small assisted-living facilities. This program can combine GL and Professional Liability with employee endorsements to satisfy facility contract requirements.
• You may represent a home companion and homemaker agency with agency-owned medical equipment used for client mobility. A property floater plus GL can help protect those assets and the operations that depend on them.

For submissions, include a completed application, current loss runs, copies of screening and training policies, and any sample client contracts. AIM underwriters will review and advise on endorsements or additional coverages needed for client contracts.

Frequently Asked Questions

Need help placing an account? Connect with a market specialist.