Industries · Home Healthcare

The workforce underwriters price hardest — and can be taught to price again.

A workforce that works alone, in other people's homes, lifting people — the highest-frequency workers' comp profile there is, attached to a professional liability exposure that follows every visit.

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Flat-fee advisory. We don't sell the policies.

Our fee is the same whatever your premium does, and every broker commission on your program is disclosed to you in writing.

The terrain

What makes home healthcare risk different.

Workers' comp frequency, and the mod that follows

Lifting and transfer injuries are the economics of this industry. The experience mod they produce multiplies every premium dollar for three years at a time.

Professional liability on every visit

Medication, documentation, and supervision allegations — where the defense record you can produce matters as much as the care you delivered.

Allegation exposure

Abuse and molestation allegations are the claims that threaten the agency itself. Coverage, protocols, and documentation have to exist before the allegation, not after.

Aides driving their own cars

Non-owned auto is the exposure agencies forget: your employee, their car, your liability.

The system, applied

Which instruments carry the weight here.

Comp Care

Return-to-work and claim discipline attack the mod directly — and this is the industry the program was sharpened on.

Go deeper

Captives

Workers' comp captives are a published specialty for agencies with the scale and record to graduate into one.

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See what your home healthcare program actually costs you.

Your program, your loss record, and where the money is. Fifteen minutes, no deck, no obligation — you keep the findings.

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Fifteen minutes with Michael Stoop, our founder. Nothing to prepare — bring the question you can't get a straight answer to.

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Run your own loss pick

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A sample account, start to finish — the blueprint, the gaps, the scored quotes, the decision. Judge the work before the pitch.

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No contingency payments, overrides, or profit-sharing