California Home Health Insurance Guide

Home Health Insurance in California

California home health agencies face some of the highest workers’ compensation and liability costs in the country.

At Peloton Insurance Brokers, we specialize in helping agencies control their Experience Modification (X-Mod), manage caregiver risk, and structure coverage properly.

What Insurance Is Required for Home Health Agencies in California?

Peloton Insurance brokers pffers what most agencies need:

• General Liability

• Professional Liability

• Workers’ Compensation

• Hired & Non-Owned Auto (HNOA)

• Abuse & Molestation coverage

• Cyber Liability

Why Is Workers’ Compensation So Expensive in CA?

Because:

• Caregiver classification codes are high risk

• Claims frequency drives mod factors

• Audits often increase payroll basis

• Improper return-to-work policies inflate losses

How Peloton Insurance Brokers Helps Lower X-Mods

• Claims review analysis

• Payroll classification correction

• Loss run review strategy

• Carrier negotiation support

• Audit preparation guidance

Q: Is workers’ comp mandatory in California?

Yes. Every employer in CA must carry workers’ compensation.

Q: What is an Experience Modification?

It’s a rating factor applied to your workers’ comp premium based on past claims.

Q. Can Peloton Insurance Brokers Help us with our insurance needs

Yes, we can start with a basic review of all coverages you have in place, and make recommendations to add or enhance the coverage you got, and review/audit your work comp and experience rating modification if you qualify for one, to see fi you are at your Minimum Mod, and ways to help lower costs.

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