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    • Home
    • About Us
    • Insurance Services
      • Insurance Services
      • Professional Liability
      • Abuse and Molestation
      • General Liability
      • EPLI
      • Cyber Liability
      • Workers' Compensation
      • Medical StaffIng Agency
    • Get a Quote
  • Home
  • About Us
  • Insurance Services
    • Insurance Services
    • Professional Liability
    • Abuse and Molestation
    • General Liability
    • EPLI
    • Cyber Liability
    • Workers' Compensation
    • Medical StaffIng Agency
  • Get a Quote

Insurance Services by Snow Canyon Insurance

Insurance Services by Snow Canyon InsuranceInsurance Services by Snow Canyon InsuranceInsurance Services by Snow Canyon InsuranceInsurance Services by Snow Canyon Insurance
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Insurance for Home Health Care Agencies and Medical Staffing Firms

Home health care agencies and medical staffing firms face unique risks that typical commercial insurance programs are not designed to address. Caregivers often work alone in private homes while clinical professionals are placed in high-acuity settings, serving patients who are vulnerable, medically fragile, and reliant on the care provided by your agency. 


When something goes wrong in this environment, your agency becomes the named insured on the claim. The critical question is whether your insurance coverage was tailored for this reality or if it was simply the nearest option from a broker unfamiliar with this industry. 


Snow Canyon Insurance specializes in insurance coverage for healthcare businesses. We provide comprehensive insurance quotes for home health care agencies, medical staffing firms, and healthcare employers throughout California, Arizona, Nevada, Utah, Colorado, Idaho, and Washington. Each client has direct access to Misty Kelly, a licensed property and casualty broker with 25 years of experience in healthcare insurance, ensuring you have a trusted insurance partner.

Why Snow Canyon Insurance

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You get options, not just a renewal. Most agencies stay with the same carrier year after year because switching requires work and their broker does not do it for them. Snow Canyon Insurance, a trusted insurance partner, was founded on a different model. Misty shops the market for every client at every renewal, compares carriers, and presents real options for insurance coverage. You decide. You do not absorb rate increases and coverage cuts because no one was watching.  

  

You work with someone who knows this industry. Home health care and medical staffing insurance is a specialty line. The professional liability exposures, the independent contractor classification risks, the state-by-state licensing requirements, and the coverage gaps most agencies do not know they have are not things a generalist commercial broker navigates every day. Misty has spent 25 years in this space. She understands the nuances of insurance quotes and knows where the claims happen and where the policies fail.  

  

You get a broker who picks up the phone. When a claim comes in, when a client facility needs a certificate of insurance by end of day, or when a renewal is approaching and something does not look right, you have a direct line to the person who placed your coverage and knows your account, ensuring that you have comprehensive support.

Coverage for Home Health Care Agencies

Professional Liability Insurance

Professional Liability Insurance

Professional Liability Insurance

Protects your agency against claims that a caregiver's actions, or failure to act, caused harm to a patient. This essential insurance coverage complements the protection your general liability policy does not provide, making Snow Canyon Insurance Healthcare Agency Workers Comp Utah a trusted insurance partner for your needs.

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General Liability Insurance

Professional Liability Insurance

Professional Liability Insurance

This insurance coverage addresses third-party bodily injury and property damage. It is required by state licensing agencies, managed care organizations, and most referral source contracts. For those seeking competitive insurance quotes, partnering with a trusted insurance partner like Snow Canyon Insurance Healthcare Agency Workers Comp Utah can be beneficial.

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Workers' Comp Insurance

Professional Liability Insurance

Workers' Comp Insurance

Required by law in every state where Snow Canyon operates, having the right insurance coverage is crucial. Home health care has one of the highest workplace injury rates of any industry, and the classification and structure of this coverage matter more than most agencies realize. When seeking insurance quotes, it’s important to partner with a trusted insurance partner like Snow Canyon Insurance Healthcare Agency Workers Comp Utah to ensure adequate protection.

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Employment Practices Liability Insurance

Employment Practices Liability Insurance

Employment Practices Liability Insurance

Insurance coverage protects against wrongful termination, discrimination, harassment, and retaliation claims. Home health care agencies, which often have large distributed workforces and high turnover, face this exposure constantly. For these agencies in Utah, seeking insurance quotes from a trusted insurance partner like Snow Canyon Insurance Healthcare Agency Workers Comp can provide essential protection.

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Cyber Liability and HIPAA Insurance

Employment Practices Liability Insurance

Employment Practices Liability Insurance

This insurance coverage addresses breach response costs, notification expenses, regulatory defense, and business interruption when a cyber incident exposes protected health information. For comprehensive protection, consider getting insurance quotes from a trusted insurance partner like Snow Canyon Insurance Healthcare Agency Workers Comp Utah.

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Abuse and Molestation Insurance

Employment Practices Liability Insurance

Abuse and Molestation Insurance

Explicitly excluded from most standard general liability and professional liability policies, this gap in insurance coverage is one of the most commonly overlooked areas in a home health care agency's insurance program. Every agency with caregivers providing one-on-one care to vulnerable adults must address this exposure directly. To ensure comprehensive protection, agencies should seek reliable insurance quotes and consider options like Snow Canyon Insurance Healthcare Agency Workers Comp Utah to find a trusted insurance partner.

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Coverage for Medical Staffing Agencies

Professional Liability and Negligent Credentialing

Professional Liability and Negligent Credentialing

Professional Liability and Negligent Credentialing

When a placed worker causes patient harm, your agency is named in the claim, which is why having adequate insurance coverage is crucial. If a credentialing gap surfaces after placement, your agency bears the primary liability, emphasizing the importance of securing reliable insurance quotes. Partnering with a trusted insurance partner like Snow Canyon Insurance Healthcare Agency Workers Comp Utah can help mitigate these risks.

Workers' Compensation for Placed Workers

Professional Liability and Negligent Credentialing

Professional Liability and Negligent Credentialing

Agencies placing workers as employees carry workers' compensation obligations for those workers during their assignments. The structure of this insurance coverage is influenced by factors such as classification, state-by-state requirements, and the independent contractor question. For those seeking competitive insurance quotes that cover these aspects, partnering with a trusted insurance partner like Snow Canyon Insurance Healthcare Agency Workers Comp Utah can provide valuable support.

Contract-Driven Coverage Requirements

Professional Liability and Negligent Credentialing

Contract-Driven Coverage Requirements

Hospitals and larger health systems specify the exact insurance coverage your agency must carry before placing workers. Misty reviews your client contracts to ensure your program meets every requirement, providing you with trusted insurance partner support. If you're looking for competitive insurance quotes, Snow Canyon Insurance Healthcare Agency Workers Comp Utah can help.

Appointed with Carriers Built for This Industry

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Serving Healthcare Businesses Across the West

Snow Canyon Insurance serves as a trusted insurance partner, holding appointments with Philadelphia Insurance Companies and Hanover Insurance, two of the most respected carriers in the commercial and specialty liability market. We provide comprehensive insurance coverage, including specialized insurance quotes for businesses across California, Arizona, Nevada, Utah, Colorado, Idaho, and Washington, as well as support through our Snow Canyon Insurance Healthcare Agency Workers Comp Utah.

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Meet Misty Kelly

Misty Kelly is the founder of Snow Canyon Insurance, a trusted insurance partner, and a licensed property and casualty broker with 25 years of experience in securing insurance coverage for home health care agencies, medical staffing firms, and healthcare employers.


She established Snow Canyon Insurance in 2026 after witnessing many agencies facing unnecessary rate increases and coverage reductions without proper advocacy. Every client receives tailored insurance quotes at each renewal, clear coverage explanations in plain language, and a dedicated broker who fights for their interests when a carrier tries to take something away.


When she is not reviewing policy forms, Misty enjoys snowboarding in the mountains, wakeboarding on the water, or cheering on her son at college baseball games.

Learn more about Misty Kelly.

Frequently Asked Questions

Please reach us at Misty@snowcanyoninsurance.com if you cannot find an answer to your question.

Home health care agencies, medical staffing firms, and healthcare employers.


California, Arizona, Nevada, Utah, Colorado, Idaho, and Washington.


Yes. Misty shops your coverage across multiple carriers and presents you with options at every renewal.


Philadelphia Insurance Companies, Hanover Insurance and More..


Large platforms offer broad access but often lack the industry-specific expertise that home health care and medical staffing accounts require. Every Snow Canyon client works with Misty directly, not a rotating team of account managers.


Share your current declarations pages with Misty and she will review your coverage for gaps, misclassifications, and overpayments at no cost.


For most accounts, Misty can present a quote within a few business days of receiving your application and supporting information.


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Fill out the form to contact Misty directly regarding your insurance coverage needs. Please have the following ready: 


- Your current policy declarations pages, if you have existing coverage 

- Annual revenue and number of employees or placed workers 

- The states where your agency operates 

- A description of the services your agency provides 

- Any claims from the past three to five years 


By preparing this information, you can receive tailored insurance quotes from Snow Canyon Insurance Healthcare Agency Workers Comp Utah, your trusted insurance partner.

Snow Canyon Insurance

PO Box 25 Santa Clara UT 84765

(435) 216-6749

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Open today

09:00 am – 05:00 pm

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