Independent · Healthcare specialists · 9 states
Insurance for home health, hospice and medical staffing agencies.
Specialized coverage for home health care agencies, hospice providers and medical staffing firms, plus ABA clinics and other healthcare businesses. We shop the market at every renewal, review your contracts, and you work directly with Misty Kelly, a licensed broker with 25 years in healthcare insurance.
Quotes in a few business days Or call/text (435) 216-6749
Misty Kelly
Founder & Licensed P&C Broker
25 years
in healthcare insurance
9 states
licensed & writing
3+ carriers
Philadelphia, Glatfelter, Hanover and more
Work with Misty
directly, not a call center
Who we insure
Insurance for home health care agencies and medical staffing firms
Caregivers often work alone in private homes while placed clinicians work in high-acuity settings, serving patients who are vulnerable and medically fragile. When something goes wrong, your agency is the named insured on the claim, so your coverage should be built for that reality.
Home Health Care Agencies
Skilled nursing and therapy in patients' homes: Medicare-certified and private-duty agencies.Home Care and Personal Care Agencies
Non-medical in-home care: companion, personal care, respite and Medicaid waiver services.Hospice and Palliative Care Providers
Medicare-certified hospice, community palliative care and inpatient hospice programs.Medical and Healthcare Staffing Firms
Agencies that recruit, credential and place nurses, therapists and other clinicians, including travel nursing and travel allied staffing.Other healthcare businesses
ABA clinics, behavioral health providers, therapy and rehabilitation practices, clinics and other healthcare employers.
Coverage
Coverage for home health care agencies
We build your program so the policies fit together, with no gaps between professional and general liability and no surprise exclusions for abuse.
Professional Liability
Protects your agency when a patient or family says the care your caregivers or placed clinicians provided caused harm, including negligent credentialing claims.General Liability
Covers everyday business accidents: third-party injuries, property damage and advertising claims at your office or in a client's home.Workers' Compensation
Pays medical bills and lost wages when employees are hurt on the job, which is common in hands-on care, lifting and driving between visits.Employment Practices Liability (EPLI)
Defends you against employee claims of wrongful termination, discrimination, harassment and retaliation, plus wage-and-hour defense on many policies.Cyber Liability & HIPAA
Covers data breaches, ransomware, HIPAA regulatory fines and patient notification costs: the fastest-growing risk for healthcare organizations.Abuse & Molestation
Covers allegations of abuse or misconduct by staff, which are excluded from most liability policies yet often required for in-home and pediatric care.
Medical staffing
Coverage for medical staffing agencies
When a placed worker causes patient harm, your agency is named in the claim. We structure staffing programs around credentialing, placed workers and the contracts your client facilities send you.
Professional liability and negligent credentialing
When a placed worker causes patient harm, your agency is named in the claim. If a credentialing gap surfaces after placement, your agency bears the primary liability.
Workers' compensation for placed workers
Agencies placing workers as employees carry workers' comp for them during assignments. Classification, state-by-state requirements and the independent contractor question all shape the program.
Contract-driven coverage requirements
Hospitals and larger health systems specify the exact coverage you must carry before you place workers. We review your client contracts so your program meets every requirement.
Why Snow Canyon Insurance
An independent specialist in your corner
We shop every renewal
No auto-renewing with the incumbent. We go to market each year and present real options side by side.
Healthcare is our specialty
Home health, hospice and medical staffing, plus home care, ABA, behavioral health and other healthcare businesses. We speak your language and know your contracts.
Work directly with Misty
Not a rotating team or a call center. Call or text Misty directly.
Free second-opinion review
Send your current dec pages and we'll show you gaps, overlaps and savings opportunities, free.
Quotes in a few business days
Healthcare-specialty carriers and a complete submission the first time mean faster answers.
Fast certificates
Certificates of insurance for your client facilities, turned around quickly with the right wording.
How it works
Three steps to the right coverage
Step 1: Tell us about your organization
Five minutes online, or a quick call. Upload your current dec pages if you have them.
Step 2: We shop the market
We take your submission to carriers with programs built for healthcare businesses and negotiate on your behalf.
Step 3: Choose with confidence
You get a side-by-side comparison in plain language, with our recommendation and the reasons for it.
Client stories
What agency owners say
Placeholder testimonials. These are examples only and will be replaced with real client reviews (with permission) before launch.
“Misty found a carrier that actually understood Medicare home health and our workers' comp finally makes sense. Hospital certificates come back the same day.”
Placeholder NameAdministrator, Sample Home Health AgencyPlaceholder “Our renewal came in 30% higher. Misty shopped it, showed us three real options, and we ended up with better abuse coverage for less.”
Placeholder NameOwner, Sample Home Care AgencyPlaceholder “She read our nursing facility contracts line by line and caught an additional insured requirement we'd been missing for two years.”
Placeholder NameExecutive Director, Sample Hospice & Palliative CarePlaceholder
What types of businesses do you work with?
Home health care agencies, hospice providers, medical staffing firms and other healthcare employers: home care and personal care agencies, ABA clinics, behavioral health providers, therapy and rehabilitation practices, and clinics and outpatient healthcare organizations. That focus is why we know which carriers want your business, which claims hit businesses like yours and what your contracts will require.
Which states do you serve?
We're licensed and actively writing business in Utah, Nevada, Arizona, California, Colorado, Idaho, Texas, New Mexico, and Washington. If you operate in additional states, ask. We can often coordinate coverage for multi-state operations.
Which insurance companies do you work with?
We're an independent agency appointed with Philadelphia Insurance Companies, Glatfelter Insurance Group, Hanover Insurance, and more. Because we aren't captive to one company, we shop the market at every renewal and show you real options.
How long does a quote take?
Most quotes take a few business days once we have your application details, current dec pages and loss runs. Complex staffing or multi-state programs can take a little longer, and we'll tell you up front.
What is a free coverage review?
Send us your current declarations pages and Misty will review them personally, then tell you in plain language where you have gaps, overlaps or limits that don't match your contracts. There's no cost and no obligation to switch.
How are you different from a large national insurance platform?
Large platforms offer broad access but often lack the industry-specific expertise that home health care and medical staffing accounts require. Every Snow Canyon Insurance client works with Misty directly, not a rotating team of account managers.
Will I work with a different person every time?
No. You work directly with Misty Kelly, not a rotating service team or a call center.
How quickly can I get a certificate of insurance?
When a client facility or referral partner needs a certificate of insurance by end of day, you have a direct line to Misty, the person who placed your coverage and knows your account. We coordinate certificates and additional insured requirements so you can respond to contracts quickly.
Ready for coverage that fits how you deliver care?
Quotes in a few business days. Questions answered by Misty, not a call center.
Already a client?
Your client portal, open 24/7
Sign in to see your policies and handle the everyday requests yourself, any time. We still read every request and follow up personally.
No login yet? Your invitation comes from us by email. Call (435) 216-6749 and we'll send it.
Review your policies
Coverage, limits, documents and ID cards
Certificates
Get a certificate of insurance or request one for a new holder
Request a change
Add a location, vehicle, employee or address
Pay a bill
Pay online, set up autopay, download receipts
Report a claim
Tell us what happened and track the status
Message us
Ask a question and upload documents securely
Talk to Misty
Call or text Misty directly. You'll talk to the person who knows your account, not a call center.
- Call(435) 216-6749
- Text(435) 216-6749
- EmailMisty@snowcanyoninsurance.com
- HoursMon–Fri, 9am–5pm Mountain · Closed Sat–Sun
- MailPO Box 25, Santa Clara, UT 84765