🚨 The Top 7 Risks Threatening Home Health, Home Care & Hospice Agencies in 2025

Most agency owners think they’re protected — until a claim, audit, or compliance issue proves otherwise. Here’s what we’re seeing every week 👇

1️⃣ Workers’ Comp Costs Out of Control One injury can send your X-Mod — and your premiums — through the roof.

2️⃣ 1099 Caregivers = Hidden Risk Misclassification can mean back premiums, penalties, and denied claims.

3️⃣ Liability Gaps Everywhere A patient fall, a medication error, or bad documentation — and your policy might not respond.

4️⃣ Cyber + HIPAA Exposure One email click. One stolen laptop. Six-figure fines.

5️⃣ Hired & Non-Owned AutoIf caregivers drive their own cars, your agency is still on the hook for accidents.

6️⃣ Unverified Vendors & COIs One uninsured subcontractor can jeopardize your license and coverage.

7️⃣ Compliance Crackdowns Regulators are tightening audits — incomplete files or expired certs can stop reimbursements cold.

💡 Peloton Insurance Brokers helps care agencies in California, Nevada, and Texas:

✅ Lower X-Mods

✅ Close coverage gaps

✅ Simplify compliance

✅ Protect your team, patients & profits

📞 Schedule your free “Care Agency Risk Audit” — find out exactly where you’re exposed before it costs you.

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