Home-based care · California, Nevada & Texas
Care happens one visit, one caregiver and one relationship at a time. Your insurance program should reflect the services you actually provide, the people providing them and the responsibilities your agency accepts.
Request an Insurance Program ReviewWho we help
Nursing, therapy and other clinical services bring questions about professional liability, supervision, documentation and the use of contracted clinicians. Tell us about every service, location and staffing arrangement so the submission describes your operation accurately.
Personal care, companionship and help with daily activities create exposures around client falls, transfers, employee injuries, safeguarding and travel. Nonmedical does not mean risk-free. We review the tasks caregivers perform and any boundaries on medication assistance or transportation.
End-of-life care involves patients, families and multidisciplinary teams. A review should address where care is delivered, employed and contracted professionals, volunteers and any inpatient operations. Physician duties and services outside the agency’s usual scope deserve specific attention.
Coverage review
We review your operations, contracts, claims history, growth plans and current program before recommending markets and coverage structure.
Review allegations involving care or professional services alongside premises and operations liability. Confirm which services, entities and professionals are insured, and how the policies address defense costs and deductibles.
Explore professional & general liability →Discuss caregiver lifting and transfer injuries, travel between assignments and other workplace exposures. Accurate payroll, classifications and claims information support the review. Where an experience modification applies, understand how loss history affects it.
Explore workers’ compensation →Ask how the policy addresses allegations, negligent hiring or supervision, defense costs and separate limits. Screening, reporting procedures and staff training matter. Do not assume general or professional liability automatically includes this protection.
Explore abuse & molestation liability →Employees driving personal vehicles between visits or for agency errands can create liability for the agency. Review business use, client transport and driver controls. This coverage is not a substitute for personal auto insurance, and vehicle damage is a separate question.
Review patient information, email, scheduling platforms and vendor access. Discuss available incident response, privacy liability and interruption coverage, along with security requirements, exclusions and any separate treatment of funds-transfer fraud.
Explore cyber & privacy liability →Hiring, discipline, termination and workplace complaints can create employment-related claims. Ask about third-party allegations, defense arrangements and exclusions. Wage-and-hour coverage is often restricted and should never be assumed.
A theft allegation involving a caregiver and a client’s belongings may require specific crime coverage or a bond. Review whose property is protected, who qualifies as an employee and what evidence or reporting conditions apply.
Contract limits, office property, equipment and leadership exposures may call for additional coverage. Confirm which underlying policies an excess layer follows; increasing a limit does not automatically broaden the underlying coverage.
Everyday exposures
A family alleges improper assistance caused an injury. The service performed, caregiver’s role and policy wording help determine whether professional liability, general liability or another provision may respond.
A back injury leads to medical treatment and time away from work. Review the workers’ compensation claim process alongside transfer training and return-to-work practices.
The agency is named in a lawsuit after a collision in the employee’s personal car. Review the employee’s auto insurance and the agency’s hired and non-owned auto terms, including exclusions and how the coverages interact.
Illustrative scenarios only. Whether a policy responds depends on the facts and its terms.
Before you request a quote
Start with what you have. We’ll help identify what is missing and explain any insurer-specific requests. Please do not send patient records or other sensitive personal information through the inquiry form.
Start your proposal request →Contracts first
Send contractual insurance requirements before quoting or binding. Additional insured status, waiver of subrogation, primary and noncontributory wording and higher limits may require insurer approval, specific endorsements or additional premium. A certificate alone does not change policy coverage.
Working with Peloton
Tell us about your agency, renewal date and concerns. You can begin without having every document ready.
We review operations, claims, policies and contracts, then explain the information needed to approach suitable markets.
Compare the available terms, limits, deductibles, exclusions and required endorsements. Availability and pricing remain subject to underwriting.
Common questions
Sometimes a program can accommodate several service types, but eligibility and covered services vary. Disclose every operation and entity. Adding a new clinical service, location or staffing arrangement may require insurer approval or a policy change.
No. Professional liability addresses specified professional-service allegations, while general liability addresses different bodily injury, property damage and other exposures under its terms. Review both together rather than assuming either covers every patient injury.
Not necessarily. Confirm how each policy defines insured persons and contracted services. Review contractor agreements and evidence of insurance, including whether contractors need their own professional liability coverage.
Review the retroactive date, reporting requirements and continuity before replacing or cancelling coverage. An extended reporting period may be relevant when coverage ends. Discuss the actual policy terms before making a change.
Services, revenue, payroll, staffing, claims history, locations, limits, deductibles and risk controls can influence underwriting. A useful comparison considers coverage terms as well as premium. There is no single price that fits every agency.
No. An inquiry, application or proposal does not bind coverage. Coverage begins only after binding has been confirmed by an authorized party, subject to the insurer’s requirements and the agreed effective date.
Relationships come before policies.
Talk directly with Peloton Insurance Brokers about your agency’s next step.
These examples are illustrative and do not determine coverage for a claim. Coverage, eligibility, limits and availability depend on underwriting and the actual policy terms, conditions, exclusions and endorsements. Insurance does not replace licensing, compliance or clinical responsibilities.