Workers’ Compensation for Home Health Services

Highlights

  • Limited distribution program
  • Direct access to carrier programs, rating & pricing through your local RT Specialty WC broker or underwriter
  • Monthly self-reporting, plus additional payment plans (options vary by state)
  • New ventures are allowed, if part of a franchise. If not, 2 years with WC required
  • Available nationwide, excluding monopolistic states (ND, OH, WA & WY)

Eligible Class Codes

  • 8835 – Home Health Services (NCCI) – Home, Public, and Traveling Healthcare – All Employees (National)
  • 0942 – Home Health Services (PA / DE) – Home, Public, and Traveling Healthcare – All Employees
  • 0943 – Home Health Non-Professional (PA / DE) – Home, Public, and Traveling Healthcare – All Employees
  • 8827 – Home Health (CA) – Home Care Services
  • 8828 – Home Health (TX) – Home Healthcare – All Other Employees

Ineligible Risks

  • Temporary staffing
  • 24 Hour live-in services
  • Government agency

Submission Requirements

  • ACORD 130 Workers’ Compensation Insurance Application
  • Home Health Services WC Supplemental Application
  • 5 Years of Premium and Payrolls
  • Experience Modification Worksheet (if available)
  • Loss Runs for Current Year and 3 Years Prior
  • New ventures must complete an additional questionnaire

Marketing Sheet

This listing is not intended to be an all-encompassing record of capabilities, products or services, but merely a guide for representational purposes only. The description of this program is only a summary of available coverages. Actual policy language will dictate the scope of coverage in the event of a claim. Agents should read the full policy form and any applicable endorsements for full terms and conditions and should encourage their policyholders to do the same. RT Workers’ Comp operations are conducted by RT Workers’ Comp Specialty, a part of the RT Specialty division of RSG Specialty, LLC (RSG Specialty) and by International Facilities Insurance Services, Inc. (IFIS). RSG Specialty is a Delaware limited liability company based in Illinois. IFIS is a California corporation based in California. RSG Specialty and IFIS are subsidiaries of Ryan Specialty Group, LLC. RT Workers’ Comp works directly with brokers, agents and insurance carriers, and as such does not solicit insurance from the public. Some products may only be available in certain states, and some products may only be available from surplus lines insurers. In California: RSG Specialty Insurance Services, LLC (License #0G97516) and International Facilities Insurance Services, Inc. (License #0B23543). ©2022 Ryan Specialty, LLC.

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