States we serve
Healthcare business insurance in California
Serving California home health and hospice agencies, healthcare employers and the staffing firms that place clinicians there. Classification, employment and comp rules here are the toughest in the region.
Workers' compensation in California
California requires workers' compensation for every employer with one or more employees, including part-time. Rates are among the highest in the country and the rules among the most complex. The State Compensation Insurance Fund is available if the private market declines you, but well-run agencies usually get better pricing from private carriers.
AB5 and 1099 workers
California's AB5 can reclassify independent contractors as employees no matter how your contracts are written. Healthcare has some exemptions, but they aren't blanket. If a 1099 caregiver is injured and the state decides they were an employee, the claim is yours whether or not your policy was built to cover it.
Two licensing frameworks
Non-medical home care organizations and Medicare-certified home health agencies are licensed separately, and insurance requirements differ by license type.
EPLI isn't optional
California has the most plaintiff-friendly employment law in the country. FEHA goes beyond federal law, and strict meal, rest-break and overtime rules apply to home care workers. Any agency with California operations should treat EPLI as mandatory.
Higher liability pricing
The litigation environment pushes professional liability and EPLI premiums above the rest of the region.
California FAQ
Is Snow Canyon Insurance licensed in California?
Yes. We place coverage for home health, hospice, medical staffing and other healthcare businesses operating in California, and you'll work directly with Misty Kelly.
Do you need to be located in California to work with us?
No. We serve clients remotely by phone, text, email and video, and handle certificates and policy changes electronically.
Ready for coverage that fits how you deliver care?
Quotes in a few business days. Questions answered by Misty, not a call center.
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