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Home Health Care

Western World is the insurer of choice for Basic Care / NonNursing Services and for Skilled Care / Nursing Services.

We offer General and Professional Liability and Property coverage and can insure:

Basic Care / NonNursing Services:  Home Health Care Agencies, Nurse Registries including Therapists & Aides, Homemaker Health Aides, Home Companions and Certified Nursing Assistants.

Skilled Care / Nursing Services: Home Health Care Agencies and Nurse Registries including Therapists & Aides.

General Liability:

  • GL Limits available up to a $2,000,000 limit with defense outside the limits
  • Optional Sexual Molestations coverage with defense outside the limits
  • Optional Hired and Non-Owned Auto coverage (46 states) – $1,000,000 liability limits
  • Damage to Premises Rented to You up to $100,000
  • Medical Payments coverage available
  • Employees as Insureds available
  • Occurrence-based coverage


  • Commercial Property is available for Buildings; Business Personal Property; and Loss of Earnings
  • Property extension/enhancement endorsement includes personal effects and property of others, valuable papers, property off premises, signs, sewer and drain backup, etc.
  • Property Floaters available to cover Equipment and Tools

Formed in 1964, Western World has built an enviable record of profitability and capital accumulation, an enduring reputation for underwriting expertise and a staff of seasoned professionals capable of providing our customers with quick, knowledgeable and thoughtful solutions.