Healthcare providers face unique liability exposures that require specialized coverage. We'll help you build a policy that addresses the risks specific to your operation.
Healthcare Facility Insurance
Specialized coverage for home health agencies, hospice providers, and nursing homes. We protect your patients, your caregivers, and your business with policies designed for the unique risks of healthcare.
Professional liability and malpractice coverage
Home health, hospice, and skilled nursing facilities
Abuse & molestation liability protection
Workers' comp for caregivers and nursing staff
Insurance Built for Healthcare Providers
Healthcare facilities face risks that most businesses never encounter: patient injuries, medication errors, abuse allegations, HIPAA violations, and wrongful death claims. Whether you're sending caregivers into patients' homes or providing 24/7 skilled nursing care, you need coverage designed for the realities of healthcare delivery.
At WeatherBee's, we specialize in healthcare facility insurance for home health agencies, hospice providers, and nursing homes.
Healthcare Facilities We Insure
We provide specialized insurance coverage for healthcare providers across the continuum of care, from home-based services to residential facilities.
Home Health Agencies
Medicare-certified and private duty agencies providing skilled nursing, therapy, and medical services in patients' homes.
Hospice Providers
End-of-life care providers offering comfort care, pain management, and family support for terminally ill patients.
Non-Medical
Personal care, companion care, and homemaker services, bathing, dressing, meal prep, and daily living assistance.
Private Duty Nursing
One-on-one skilled nursing care for patients with complex medical needs in home settings.
Caregiver Registries
Agencies that refer or place independent caregivers with patients provide specialized coverage for registry liability.
Memory Care
Specialized units caring for residents with Alzheimer's, dementia, and cognitive impairments.
Assisted Living Facilities
Residential facilities providing personal care, meals, medication management, and supervision for seniors.
Group Homes
Community-based residential facilities for seniors or adults with disabilities requiring supervision and care.
Why Healthcare Providers Choose WeatherBee's
Knowledge
We understand healthcare risks, patient liability, abuse exposure, HIPAA, and the gaps generic policies miss.
Pricing
We shop multiple carriers to find competitive rates without sacrificing coverage.
Experience
Years of working with home health, hospice, and nursing homes. We know what claims happen and what coverage matters.
Local Agency, Big Reach
A local team who answers your calls, backed by access to top national and specialty healthcare carriers.
Real Businesses. Real Coverage. Real Results.
We've helped hundreds of business owners across the US find the right coverage, without the runaround. Here's what they have to say.
Getting covered shouldn't be complicated
We've simplified the process so you can focus on your patients.
Get Your Healthcare Facility Insurance Quote
Tell us about your healthcare operation and we'll get back to you with coverage options, usually within 24-48 hours. Or call us at 704-993-9060 to speak with a healthcare insurance specialist today.
Healthcare Insurance Carriers We Work With
We partner with A-rated carriers who specialize in healthcare and senior care risks. That means competitive rates, flexible coverage, and underwriters who understand healthcare operations, from home health agencies to hospice providers to skilled nursing facilities.
Healthcare Facility Insurance FAQs
Q What insurance does a home health agency need?
A
Most home health agencies need professional liability, general liability, workers' compensation, and commercial auto (including hired & non-owned auto). You should also have abuse & molestation coverage, employee dishonesty, and cyber liability for HIPAA compliance.
Q How much does nursing home insurance cost?
A
Costs vary widely based on bed count, acuity, and claims history. A 50-bed skilled nursing facility might pay $50,000-$100,000/year for comprehensive coverage. Facilities with poor claims history or in high-litigation states pay significantly more.
Q Is abuse coverage included in general liability?
A
Usually not. Most general liability policies exclude or severely limit abuse claims. You need a separate abuse & molestation liability policy or endorsement; this is critical coverage for any healthcare provider.
Q Do I need insurance for a small home care agency?
A
Yes. Even small agencies face significant liability exposure. A single patient injury or abuse allegation can result in a claim that exceeds $1 million. Professional liability, general liability, and workers' comp are essential regardless of agency size.
Q Does workers' comp cover caregiver injuries in patient homes?
A
Yes. Workers' compensation covers employee injuries on the job, including injuries at patient homes, lifting injuries, slip-and-falls, auto accidents while traveling, and even injuries from aggressive patients.
Q What is HIPAA coverage?
A
Cyber liability insurance with HIPAA coverage protects against costs related to data breaches involving protected health information (PHI), including notification costs, credit monitoring, regulatory fines, and legal defense for HIPAA violations.
