Insurance programs

Insurance Solutions for Employees & Independent Contractors

Getting covered shouldn’t slow you down. Suracy gives workers and independent contractors access to:

• Broad coverage options — a wide range of national insurance products tailored to your industry and role

• Top-tier carrier access — policies from leading, reputable insurance companies

• Comparison quotes — multiple carrier quotes so you get the best rate

• Competitive pricing — affordable premiums built for individual workers and contractors

• Risk management resources — loss prevention tools to help you work smarter and safer

• Flexible payment plans — options that fit your cash flow and work schedule

What Insurance Does a Home Health Agency Need?

Home health agencies often need coverage that addresses patient-facing services, employee and caregiver exposures, and healthcare data risk. Suracy’s home health insurance program commonly includes:

• General Liability Insurance: Helps protect against third-party bodily injury, property damage, and certain legal defense costs.

• Professional Liability (Errors & Omissions): Helps cover claims tied to professional services provided by caregivers and staff.

• Workers’ Compensation: Provides benefits for employees injured in the course of work (requirements vary by state).

• Commercial Auto Insurance: Helps cover vehicles used for patient visits, errands, and business operations (as applicable).

• Cyber Liability Insurance: Helps protect against costs related to data breaches, ransomware, and other cyber incidents involving sensitive information.

• Employment Practices Liability (EPLI): Helps cover certain claims involving hiring, firing, discrimination, harassment, and workplace-related disputes.

• Compliance advantage (COI + oversight): Suracy supports compliance by helping agencies maintain required coverages and provide proof of insurance.

How Does Suracy Support Industry-Specific Insurance Programs?

Suracy’s programs are designed around the real-world exposures and contract requirements common to each industry.

Restaurant Insurance Programs

Restaurants can face property losses, liability claims, alcohol-related incidents, and food safety exposures. Common coverages include:

• Property and Equipment Coverage: Helps protect the building (if owned) and business property.

• General Liability Insurance: Helps cover certain third-party injury and property damage claims.

• Liquor Liability: Helps cover certain claims arising from alcohol service.

• Foodborne Illness Coverage: Helps address certain claims related to food contamination.

• Business Interruption Insurance: Helps replace lost income after a covered event.

Franchise Insurance Programs

Franchise operators often need insurance that aligns with franchisor requirements and supports multi-location operations.

• Franchisor-Compliant Coverage Options: Designed to help meet system standards.

• Multi-Location Flexibility: Supports expansion and location-specific needs.

• Employee Benefits Options: Can support hiring and retention strategies.

• Risk Management Support: Helps reduce claims frequency.

Small Business and Specialty Insurance Solutions

For small businesses across industries, Suracy can help evaluate coverage needs and compare options.

• Access to Multiple Carriers: Review coverage and pricing options.

• Flexible Payment Options: Designed to support cash flow.

• Right-Sized Coverage: Matches operations and staffing models.

What Are the Compliance and Service Advantages of Suracy’s Insurance Programs?

Suracy’s programs are built to support day-to-day operations, not just policy placement.

• Policy Monitoring: Helps track coverage status.

• Rapid Certificate Delivery (COIs): Often issued quickly.

• Recruitment and Retention Support: Strengthens offers to workers.

• Dedicated Guidance: Support for compliance workflows.