We place the whole program. Comp is where we go deepest.
Vesta Risk is a full commercial brokerage for California home health, home care and hospice. We handle every line your agency carries. Workers compensation is where we lead, because it is usually the largest line and the only one where the number is genuinely negotiable — but it is not the limit of what we do.
Workers compensation
Classification, payroll reporting and experience modification management — three things that decide what you pay, and three things most brokers treat as paperwork rather than as work.
Your rate is filed by the carrier and your payroll is what it is. The modification sits between them, and it is calculated from data you are entitled to inspect and correct. That is the proprietary part of what we do, and it is why we lead with it.
- Filed rate
- Carrier
- Payroll
- Your business
- Classification
- Reviewable
- Experience modification
- Reviewable
- Schedule credit
- Negotiable
Three of these five are worked, not accepted. On a policy we reviewed recently the schedule credit alone was worth more than half of what the modification credit was worth.
Everything else a home health agency carries.
The claims that end an agency are rarely the comp claims. We place these alongside comp, review them at renewal, and bring them forward sooner if something in the Mod Analysis says they should not wait.
Liability
Professional & general liability
Allegations of negligent care, plus the ordinary premises and operations exposure of working inside somebody else's home. Watch how the professional trigger is worded and whether it follows your licensure.
Abuse & molestation
Unaccompanied caregivers, vulnerable adults, and allegations that can be existential whether or not they are substantiated. Sublimits and defence-inside-limits are where these policies usually disappoint.
Umbrella & excess
Excess limits over general liability, auto and employers liability. The schedule of underlying policies is where these quietly fail — a line that is not scheduled is not covered.
Management liability
Directors and officers cover for agencies with outside investors, a board, or private equity ownership. Increasingly relevant as the sector consolidates.
Your people
Employment practices liability
The line most under-bought in California home care. High turnover, hourly workforces and travel between clients make meal and rest break, off-the-clock and overtime class actions a live risk. Check whether wage and hour is covered at all, or carved back to a defence-only sublimit.
Crime & employee dishonesty
Your caregivers are alone in clients' homes with their possessions and their financial information. Third-party crime cover — for theft from a client rather than from you — is frequently missing entirely.
Employee benefits
Group medical, dental and ancillary lines, plus benefits liability for administrative errors. Benefits are a retention lever, and retention is a comp lever — a disproportionate share of claims land in a caregiver's first ninety days.
Operations & assets
Commercial & non-owned auto
Caregivers drive their own cars between clients all day. Their personal policies were not written for it and yours may not reach far enough. The most commonly under-limited line in the sector, and the one we re-check first.
Cyber & HIPAA
You hold protected health information on every client and employment records on every caregiver. Regulatory response and notification costs frequently exceed the direct loss.
Property & business interruption
Office contents, tenant improvements, and equipment. Modest premium relative to the rest, but worth checking that the business interruption basis matches how the agency actually earns.
Bonds
Where licensure, a contract or a payer agreement requires one. Straightforward, but easier arranged alongside the rest of the program than separately.
We start with comp because that is where the measurable money is and where our analysis is strongest. Then we review the full program against how your agency actually operates. You do not have to move everything at once, and plenty of clients don't.
Let's look at the whole program.
Bring us your current policies and we will tell you what is missing, what is over-bought, and what we would do at renewal. No obligation, and no need to move anything.