Workers’ compensation is typically the largest insurance expense for home health agencies, and for good reason. Caregivers perform physically demanding work in uncontrolled environments, handle patients with limited mobility, and travel between locations, creating injury exposures that most industries don’t face. Understanding what drives your Workers’ Comp costs is the […]
A non-renewal happens when your insurance carrier decides not to offer you coverage for the next policy period. Unlike a cancellation — which ends a policy mid-term — a non-renewal occurs at the end of the policy cycle, and carriers are typically required to give 30 to 60 days advance […]
If you need business insurance within days, it’s possible, but preparation and working with the right agency makes all the difference. Suracy is a U.S.-based independent insurance agency that specializes in fast coverage for small and mid-sized businesses, with most standard policies bound and a Certificate of Insurance (COI) delivered […]
To sign a vendor contract, you’ll typically need to provide a Certificate of Insurance (COI) showing proof of General Liability coverage, Workers’ Compensation, and sometimes additional policies like Professional Liability or Commercial Auto insurance. The specific requirements depend on the contract terms and the nature of your work. Umbrella Insurance […]
Home health agencies operate in one of the most liability-exposed sectors in commercial insurance. Caregivers work in patients’ homes, perform medical and personal care tasks, and are subject to state-level licensing and compliance requirements that vary significantly across state lines. A single negligence claim, whether valid or not, can result […]
Workers’ compensation insurance may be required for small businesses that have only one employee, but the rules vary widely depending on the state where the business operates. Business owners with minimal staff must understand their state laws to maintain compliance and protect both employees and themselves from liability. When Does […]
Home health agencies must carry general liability, professional liability, and workers’ compensation insurance — plus additional coverage like cyber liability and commercial auto. This guide explains each required policy, why it matters, and how Suracy helps home health agencies get the right coverage. Required Insurance for Home Health Agencies The […]
Comparing business insurance quotes without missing critical coverage takes more than lining up premiums side by side. According to the 2025 Hiscox Underinsurance in Small Business Report, 77% of US small businesses are underinsured, and 74% misunderstand what their general liability policy actually covers. A cheaper quote often means thinner […]
General liability insurance covers physical risks — bodily injury, property damage, and accidents that happen on your premises or because of your operations. Professional liability insurance, also called errors and omissions (E&O), covers claims that your advice, service, or work caused a client financial harm due to negligence, mistakes, or […]
Yes, caregivers need workers’ compensation coverage in nearly every state, and it’s especially critical in home health, where injury rates run well above the national average. Workers’ comp protects caregivers when they’re hurt on the job and shields agency owners from medical bills, lost-wage claims, and lawsuits. Home health agencies […]
