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Our Programs:
Home Care Franchises & Franchisors

Insurance Solutions for
Home Care Franchisors & Franchisees

The aging population and desire for individuals to stay in their homes while being cared for has helped to give rise to the home health care franchise industry. Over the past five years, in-home senior care franchises grew at an average rate of 9.1% annually. According to IBISWorld, there are now more than 60 franchise brands, combining for over 6,800 business locations and employment of over 350,000. While home health care franchises have an opportunity to make a real difference in communities, there are also challenges that must be properly addressed for continued success and expansion in this growing market. Among these is the ability to meet insurance requirements through continuity of coverage and strong risk management practices, which enable franchisors and their franchisees to manage their exposure effectively and efficiently and maintain brand integrity. 

Customized Coverages to Address Your Clients’ Exposures


Manchester Specialty Programs specializes in offering “end-to-end” property and casualty insurance solutions to the home health care industry and can assist you in expanding your footprint in this growth industry. Our top-tier carrier partners are as dedicated as we are in providing a comprehensive “all-lines” national program customized for the home health care industry. Our program includes the following key coverages:

  • Professional Liability
  • Workers’ Compensation
  • General Liability/Package Policy
  • Excess Liability
  • Non-Owned and Hired Auto
  • Third-Party Crime/Fidelity Bond
  • Management Liability (D&O/EPLI)
  • Regulatory Audit (RAC) Insurance Coverage
  • Cyber Liability
  • Insurance Coverage for Telehealth Services

Benefits We Provide to Franchisors/Franchisees

Manchester Specialty delivers insurance products designed to respond to the diverse exposures faced by the home health care sector. Franchisors and franchisees benefit in partnering with us in several key areas:

  • Franchisors gain continuity and consistency in coverage with our program for their franchisees, including streamlined policy terms, required limits, and deductibles.
  • Coverage is “underwritten to the franchisor” and their franchise circular and requirements, which often translates into special rate and coverage consideration for many accounts over time.
  • Franchisors have the ability to work with Manchester Specialty to manage and monitor ongoing compliance to insurance requirements for franchisees. We’ll provide ongoing feedback to the franchisor in the event of non-compliance, changes in coverage and other key issues. Having a standard template for insurance coverage is vital to the entire organization, as franchisors and franchisees can both be named in the event of a claim that may affect their brand.
  • Franchisees can take advantage of a well-structured insurance program designed specifically for the home care industry.
  • Franchisees can continue to maintain their local agent or broker relationship and access our program, a key benefit of our program. (We do not sell directly.)
  • Franchisees have access to a wide variety of health care-specific on-line training courses, e-seminars, education, support, and risk management materials to help mitigate risk and prevent losses.

Our staff is committed to staying abreast of regulatory and other delivery-of-care changes that may result in emerging risks that require developing and enhancing insurance products with our insurers to respond to these exposures. We can also offer co-marketing and branded sales materials to franchisors to help educate their franchisees on the value of our insurance and risk management program to their bottom line, growth and profitability. Most importantly, we offer a unique combination of appropriate coverage, claims handling, loss control services and affordable pricing.

Partnering with Us:
We’re Dedicated to Insuring the Health Care Industry

Our programs and insurance products are offered exclusively through licensed agents and brokers in all states (we do not sell directly to health care firms). Clients have the advantage of working with their local insurance agent or broker of choice.

If you are an insurance agent or broker, please visit our Agent/Broker Resource Center to download/complete our Producer Agreement and start working with us.

If you are a health care firm, please share information on our program and our website with your local insurance agent; they can quickly access our program on your behalf to obtain a competitive quote.

For more information about our insurance programs, please call us at 1-855-972-9399.