TL;DR
Cost
Every other page in this set gives you a range per occupied bed. This one cannot, and the reason is not caution. Home care has no beds. Rating follows payroll, revenue and service scope, which means the shape of the answer is different rather than the number being unavailable.
It also means an operator comparing a home care quote against a facility benchmark is comparing two things that are not measured in the same units, which is worth knowing before the comparison leads somewhere wrong.
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Payroll and revenue, not beds. Rating follows the workforce and the service scope rather than a building.
No range published
This site publishes ranges it can defend and omits the ones it cannot. There is no per-bed band on this page because there is no honest one to show, and filling the space with an invented figure would be worse than leaving it out. What drives the number is set out below.
Service scope, first and by a distance. Companion and homemaker services, personal care with hands-on assistance, and skilled home health under a plan of care are three different risks and they price accordingly.
Payroll, which is the rating base for both liability and workers compensation, and headcount, which drives the employment practices exposure.
Whether caregivers drive. Non-owned and hired auto is a substantial line for an agency whose staff drive between clients and transport clients to appointments, and it is rated on the number of drivers and the hiring standards applied to them.
Employee versus contractor classification, which affects everything and which is under active regulatory scrutiny in this industry.
Turnover, which in home care runs high and which underwriters read as a supervision and documentation signal.
Whether the agency holds client funds or has access to client property, which drives the crime and fidelity requirement that many home care contracts and some state licences require by name.
Workers compensation, which for a home care agency is typically the largest single premium and which is driven by your experience modification and by travel-related injury.
Employment practices liability, and specifically the wage and hour defense sublimit, which is where the largest financial exposure in this class actually sits: unpaid travel time between clients, overtime calculation, and live-in and sleep-time rules.
Non-owned and hired auto, which is sometimes bundled and sometimes not, and which should be confirmed rather than assumed.
Crime or a fidelity bond covering theft from clients, which is a contractual requirement in many referral agreements.
Cyber, where client health information is held electronically.
Clean payroll records split by class code. Misclassification is the most common audit finding in this class and it produces an additional premium bill months after the money was spent.
Documented driver standards: motor vehicle record checks at hire and annually, a minimum personal auto limit with proof, and a written policy on transporting clients in personal vehicles. That last rule is the one most often broken and most often uninsured.
Background screening and a written policy on gifts, powers of attorney and representative payee arrangements. Financial exploitation allegations are the distinctive claim in this setting and these are the controls that defend them.
Wage and hour hygiene, which is not an insurance purchase at all but which reduces the exposure the policy barely covers: travel time between clients, break documentation, and overtime calculation.
What does not work: assuming a facility programme extends to the home care line. Facility professional liability is written against a schedule of locations and a definition of services tied to the licensed premises, and care in a client home falls outside both. Operators who add a home care line to fill census gaps frequently do not tell the broker until an audit or a claim surfaces it.
Cost questions
Because home care has no beds. The class is rated on payroll and revenue, so a per-bed figure would be a category error rather than a missing number. If you have seen one quoted somewhere, it was almost certainly a facility figure applied to the wrong business.
Usually not. Facility professional liability is written against a schedule of locations and a definition of professional services tied to care rendered at a licensed facility. Care delivered in a client home is neither. It is a clean gap rather than an ambiguous one, and it is one that grows quietly because home care lines often start small.
Wage and hour, and it is the one the liability programme barely touches. Most employment policies exclude it except for a defense cost sublimit, and home care generates it structurally through travel time between clients, overtime calculation and live-in rules. Price a higher defense sublimit and fix the underlying practice, in that order of urgency but the reverse order of importance.
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Cost by other settings
Per occupied bed, per year, then loss rated above a certain size.
Per occupied bed or unit, per year.
Per occupied bed, per year, loaded above the assisted living band.
Blended per unit across levels of care, with governance lines priced separately against the entrance fee obligation.
Per occupied bed, per year, with minimum premiums that fall on very few beds.
Per unit, closer to habitational real estate than to licensed care, with a professional liability component that is often absent and should not be.
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