YOUR SPECIALIST
We make your agency more attractive to the insurance marketplace
Home health care, from companion care to aides to registered nurses, isn't a standard commercial risk, and it shouldn't be brokered like one. We build the program around the way home care actually works: professional and general liability, auto liability with hired & non-owned coverage, workers' compensation, abuse & molestation, EPLI, management liability, cyber, crime, and property, with sub-limits sized to real exposure and a practical risk management plan behind them. Our programs and carrier relationships are designed for agency owners with $50,000 or more in total annual P&C insurance spend.
home health care industry
care clients
& Certified Workers' Comp Advisor
Bob Glielmi
Broker · CIC, CLCS, CWCA
Email: [email protected]
Cell: 954.422.2275
110 E Broward Blvd, Suite 940
Fort Lauderdale, Florida 33301
HOW IT WORKS
Working with us is simple
Three steps to a program built around home care, before a claim, an audit, or a renewal tests it.
Coverage & loss control review
A comprehensive review of your program and losses to identify gaps: HNOA, sub-limits, contractor status, prioritized and proactively addressed.
Strategy & placement
We formulate a renewal marketing strategy and present your agency to carriers that understand home care, competitively priced, built for your risk profile.
Year-round support
Open claims coordination and support, mid-term reviews, renewal strategy meetings, and COIs when a partner needs them within 24 hours.
THE DIFFERENCE
Handled properly, this looks very different
When the program is built around home care from the start, and backed by a practical risk management plan, the exposures shrink, and so do the surprises.
Coverage built for home care
Professional & general liability, auto with HNOA, workers' comp, abuse & molestation, EPLI, and cyber, with sub-limits sized to your real exposure, not package-policy defaults.
A practical risk management plan
Risk identification and prioritization specific to home care exposures, proven loss control that improves your risk profile and shows up in your liability, workers' comp and auto pricing.
We audit the auditors
A formal process to review carrier audits, including your workers' comp mod worksheets, to identify and correct errors that aren't in your favor.
THE COST OF GETTING IT WRONG
Where home care risk tends to get missed
Real claim mechanics from this industry, and the fine print that decides how they end.
A caregiver drives a client to a doctor's appointment; a fatal accident settles for the full $1,000,000 limit, and exhausts it
A routine client transfer goes wrong: caregiver and client both injured, liability and comp claims — $500,000 paid
Hired & non-owned auto coverage simply missing, the most common gap we find, on the agency's biggest exposure
Independent contractors picked up and charged for on a workers' comp audit, and package-policy cyber limits that won't survive a real incident
60-SECOND SELF-CHECK
Could your coverage have these gaps?
Tick anything that's true today. There are no wrong answers. This is just to show where a closer look might be worth it.
THE OUTCOME
What this means in practice
What it feels like when the program, and the risk management plan behind it, is built around home care from the beginning.
HNOA and sub-limits are sized before a claim tests them
Workers' comp claims frequency and your mod trend down with a practical plan
Audit and mod worksheet errors get caught and corrected, not silently paid
Licensing, franchisor, ALF, and partner insurance requirements clear without delay
Renewal comes with a strategy and an explanation, not just a bigger number
CLIENT TESTIMONIALS
From the agencies we protect
Bob worked with our carriers and NCCI to re-review our prior workers' comp audits and experience mod, corrected the errors and misclassifications, and we received a very substantial retroactive refund. We've never had anyone take such a comprehensive approach to making sure there were no gaps in our coverage.
Bob has been extremely detail-oriented in the analysis of our company's policies and brought many things to our attention that our previous broker neglected to inform us of. His follow-up and ability to respond on short notice have been a big plus.
START THE CONVERSATION
Ready to make your agency more attractive to the insurance marketplace?
Book a no-obligation 15-minute meeting to discuss best practices and strategies for your agency's long-term goals.
“The best outcomes come from a program built around home care, and a risk management plan that makes underwriters want your business.”
YOUR SPECIALIST
Bob Glielmi
Broker · CIC, CLCS, CWCA
Cell: 954.422.2275
Fort Lauderdale, Florida 33301