Workers’ Comp for Home Healthcare Staffing Firms

For staffing companies that place professionals in home healthcare settings, securing workers’ compensation insurance can feel like an uphill battle. The nature of the work makes carriers nervous—your staff operates in private homes, often without direct oversight, and the risk of injury is higher than average. Combine that with the layered complexity of staffing various roles, each with different job duties and classifications, and it’s no surprise that many agencies struggle to find affordable and compliant coverage. But that’s where NPN Brokers can help.

We specialize in providing workers’ comp coverage for staffing agencies of all types, and that includes firms working specifically in home healthcare. Whether your agency places certified nursing assistants (CNAs), licensed practical nurses (LPNs), personal care aides, or non-medical caregivers, we can help you find coverage that fits your business and meets regulatory requirements. Even if you’ve been denied in the past or have a history of claims, our network of carriers is built to handle high-risk and hard-to-place clients. We can get you a quote in just minutes and often get coverage bound within 24 hours.

Workers’ comp insurance isn’t just a box to check—it’s a critical layer of protection for both your employees and your business. A single workplace injury without the right coverage can put your agency at risk of costly lawsuits, fines, or claim denials. That’s why it’s so important for staffing firms, especially those in the home healthcare space, to work with a broker who understands the industry inside and out. At NPN Brokers, we make that process simple, fast, and reliable.

Why Workers’ Comp Is Harder for Home Healthcare Staffing Firms

One of the biggest reasons staffing companies in home healthcare run into difficulties is due to the unpredictable nature of the work environment. While hospitals and long-term care facilities have controlled settings and built-in safety protocols, in-home care presents a completely different challenge. Each patient’s home is unique—some may be cluttered, lack proper lifting equipment, or require the worker to navigate stairs, pets, or even aggressive behavior from patients or family members. These uncontrolled environments naturally present a higher risk for injury.

This unpredictability causes many traditional insurance carriers to shy away from covering home healthcare staffing firms, or they may offer coverage at a much higher premium. To them, staffing agencies already carry a level of detachment when it comes to monitoring workers, and when those workers are providing in-home services without supervision, the risk profile grows even more. In some cases, agencies that have had just one or two claims may find themselves dropped by their carrier or stuck with unaffordable rates.

On top of that, some agencies operate in multiple states, each with their own workers’ comp rules, class codes, and coverage requirements. Without expert guidance, it’s easy to make a classification error or miss a critical compliance detail. That’s why it’s crucial to work with a broker that knows how to handle the specific challenges of staffing firms in the home healthcare space. At NPN Brokers, we have years of experience doing just that.

Workers’ Comp Class Codes for Home Healthcare Staffing

Understanding class codes is one of the most important elements in setting up your workers’ comp policy. These codes are used to categorize your employees based on their job duties, and they directly impact your premium rates. If you misclassify your workers—even unintentionally—you could end up paying too much or risk penalties after an audit. Staffing agencies need to be especially careful since your workforce may span multiple roles, each with its own classification.

One of the most widely used class codes for home healthcare staffing is 8835. This code generally applies to skilled healthcare workers who provide care in a patient’s home. That includes registered nurses (RNs), physical therapists, home health aides, and others performing medical or personal care tasks. It’s a broad classification used in many states and is commonly the default for skilled care placements.

In Pennsylvania and Delaware, class codes 0942 and 0943 are more specific alternatives. Code 0942 typically applies to professional services, such as nurses and therapists who are licensed or certified. Code 0943, on the other hand, is reserved for non-professional home healthcare services, like companion care, bathing assistance, and meal preparation. If your agency staffs both types of workers in these states, it’s important to use both codes accurately.

In California, the relevant code is 8827, which is designed for in-home caregivers who provide non-medical services. These employees might help clients dress, eat, or move around but do not perform skilled medical tasks. This classification helps separate non-clinical care from medical care and ensures proper premium assignment. If your agency places caregivers in California, this is likely the correct code to use.

Depending on the variety of roles you place, you may also encounter codes like 8824 for healthcare workers in assisted living facilities or 9015 if workers perform light janitorial tasks as part of their care routine. If your caregivers are responsible for driving between client homes, 7380—the class code for drivers—may apply as well. Accurately identifying and assigning these codes is essential for ensuring your coverage is valid and aligned with actual job duties.

Why Accurate Classification and Compliance Matter

Staying compliant with workers’ comp requirements goes beyond just having a policy in place. It’s about having the right classifications, coverage for every worker type, and the documentation to back it up. For staffing firms, mistakes in classification can lead to audits, unexpected back premiums, and even denied claims. That’s why having a partner like NPN Brokers matters.

Let’s say you place a caregiver under a less expensive non-medical code, but they end up assisting with lifting or performing tasks that fall under skilled nursing. If that employee gets hurt and the job duties don’t match the policy code, your claim could be delayed—or worse, denied. That opens your agency up to lawsuits, fines, and reputational damage.

In today’s regulatory landscape, states are cracking down on misclassification, especially in industries like staffing where roles can shift frequently. That’s why we take the time to understand your business model, the types of positions you staff, and the states you operate in. We’ll help you match the right codes to the right roles, so you can rest easy knowing your coverage is built on solid ground.

How NPN Brokers Helps Home Healthcare Staffing Firms

We don’t just write policies—we solve problems. At NPN Brokers, our team is focused on helping staffing agencies secure workers’ comp coverage that fits their specific situation. Whether you’re a brand-new agency or have years of experience, our approach is designed to remove the usual roadblocks that come with insuring home healthcare staff.

We work exclusively with carriers who are open to writing policies for higher-risk industries and companies that have had prior claims or cancellations. That means even if you’ve been turned down before, there’s a good chance we can find you coverage. We move quickly, getting you a quote in just minutes and activating coverage in as little as 24 hours if needed.

We also make it easy on your cash flow. There’s no need to pay large deposits or commit to long-term contracts. We offer pay-as-you-go workers’ comp solutions with no audits, no contracts, and no deposits. This structure helps staffing agencies scale more smoothly and avoid cash flow bottlenecks during periods of growth or transition.

Our brokers work with you one-on-one to understand your placement structure, worker roles, and risk exposure. From there, we guide you through class code selection, policy setup, and ongoing support—so you’re not left trying to figure it out on your own.

Get a Quote for Workers’ Comp Today

If you’re running a staffing agency in the home healthcare space, having the right workers’ compensation coverage is a must. And finding a policy that truly fits your needs shouldn’t take weeks or cost more than it has to. At NPN Brokers, we make the process straightforward. We can provide a quote in just minutes and often have policies active within 24 hours.

Give us a call at (561) 990-3022 to speak with someone who understands the ins and outs of workers’ comp for home healthcare staffing. You can also fill out our simple online quote request form, and we’ll be in touch quickly to help you get started.

We specialize in workers’ comp coverage for staffing agencies—including those who’ve had trouble getting insured elsewhere. Let’s get your team covered the right way, and give your business the protection it deserves.