Solutions Group Programs runs specialty insurance programs for the following industries:

Scalding Bathwater Burns, a Surprisingly Common Home Care Liability Claim

We know you don’t like it when clients get hurt. Nothing good comes from it. Let’s work together to identify and prevent one particular type of claim – scalding burns – which happen more than you might think in home care.

The most prevalent cause of scalding burns in the elderly is a caregiver testing bath water temperature with gloves on. Try it yourself - turn your office sink on full-hot, put on a latex glove, and test the water. Not that hot, right? Then test the water with your un-gloved hand.

Simple prevention works! Remind your caregivers how to avoid causing scalding burns to patients with our easily printable scalding burns information piece. It is formatted to use as a payroll stuffer or poster in your office, and is yours free here:
www.HomeHealthIns.com/Reports.html

We are the no-hassle, no-pressure home for all things related to home care insurance. We make it easy to get quotes and our no-pressure guarantee leaves everyone with a pleasant experience. Please consider allowing us to provide a quote at your next renewal, or when you first need insurance. Complete an application at www.HomeHealthApplication.net.

Our web site, www.HomeHealthIns.com, is packed with useful information. Take a look; call me and I will answer any questions you have. My direct number is (210) 618-0314.
We are the no-hassle, no-pressure home for all things related to home care insurance. We make it easy to get quotes and our no-pressure guarantee leaves everyone with a pleasant experience. Please consider allowing us to provide a quote at your next renewal, or when you first need insurance.

BONDING COVERAGE FOR HOME CARE – DETAILS MATTER!
Theft from a client’s home is the most common insurance claim for home care agencies. It is vital to recognize the nuances of coverage for theft so you can be properly protected. Look for the following:
1. Your bond must extend coverage to theft from a client’s home 
2. Your bond should make payment without requiring a conviction of the caregiver accused of stealing 
3. Your bond’s definition of theft should include forgery 
4. If your caregivers are independent contractors, your bond should specifically include coverage for this classification of worker 
5. Coverage should extend to all of the property in the home, not just the property of the client

We write a bond that meets these requirements. For a quote, please complete an application on our web site here:
www.HomeHealthIns.com/ShortApp (http://www.homehealthins.com/ShortApp)

Our web site, www.HomeHealthIns.com, is packed with useful information. Take a look; call me and I will answer any questions you have. My direct number is (210) 618-0314.
We are happy to take your telephone calls!
We are the no-hassle, no-pressure home for all things related to home care insurance. We make it easy to get quotes and our no-pressure guarantee leaves everyone with a pleasant experience. Please consider allowing us to provide a quote at your next renewal, or when you first need insurance.

Understanding the Workers’ Compensation Experience Modifier
A workers’ comp. experience modifier serves to adjust your workers’ comp. cost based on your workers’ comp. claims history. It is a number either above or below 1.0 that is calculated by comparing your claims against the average claims in each class code in which you have payroll. Aggregate claim amounts that are higher than the average will increase your modifier. Conversely, aggregate claim amounts that are lower than the average will decrease your modifier.

The experience modifier is multiplied against the standard rate, and generates either an increase or decrease in premium. For example, if an experience modifier is 0.88 and the standard premium is $10,000, the modified premium becomes $8,800. Conversely, if an experience modifier is 1.12 and the standard premium is $10,000, the modified premium becomes $11,200.

Key Point: Good claim experience over time can significantly reduce your workers’ comp. cost! We have seen experience modifiers as low as 0.62 (Wow!) and as high as 2.05 (Yikes!).

Complete a no-obligation application for a quote here: www.HomeHealthIns.com/ShortApp
Our web site, www.HomeHealthIns.com, is packed with useful information. Take a look; call me and I will answer any questions you have. My direct number is (210) 618-0314.

If you would like help in deciphering your experience modifier, or if you want to find out if you even have a modifier, please let me know.
Staff List

Marsha Thorp

Director of Underwriting​

Direct Telephone: (210) 588-0323

Amanda Soliz

Assistant Underwriter

Direct Telephone: (210) 490-0897

​​Lauren Ferguson

Assistant Underwriter

Direct Telephone: (210) 429-7039
We accept submissions from select brokers.
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