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ISO launches new insurance program to address the rapidly growing home healthcare insurance market

ISO has launched a new home healthcare program that provides a robust coverage and rating solution to help insurers address the rapidly growing home healthcare market.

ISO Home healthcare

Aging population one factor

The aging population is one factor in the significant expansion of home healthcare in the United States. The U.S. Census Bureau projects that the over-65 population will double to nearly 84 million within 30 years. Other growing segments, such as pediatric and disabled care, are also driving demand. In fact, home healthcare and personal care aide employment is estimated to increase 40 percent from 2016 to 2026, according to the U.S. Bureau of Labor Statistics.

Home healthcare poses insurer risk

It's often less expensive and more convenient to have a nurse or aide visit your home rather than stay in a long-term care facility. But home healthcare creates significant challenges for insurers because it's a huge responsibility, encompassing frequently changing risks. ISO’s new turnkey program can help insurers enter this growing market. The program offers flexible coverages and extensive rating information to help insurers meet the diverse needs of home healthcare providers.

The ISO program features professional and general liability coverages and includes optional endorsements for several critical exposures, such as allegations of abuse or molestation, employment-related practices liability, home healthcare equipment, and theft of patient or client property. It also offers more than 30 separate classes for the most common home healthcare professions, from home health aides to registered nurses.

William P. Mauro

William P. Mauro is vice president and head of coverage for ISO commercial lines at Verisk. He can be reached at

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