You built a home health agency. Your insurance should be built for one.
Pembroke's home health, home care, and hospice work is handled by Vesta Risk — a commercial insurance program from Pembroke dedicated exclusively to California home-based care organizations.
Home health workers compensation is usually the largest premium item an agency pays — and it is the only line where the number is genuinely negotiable. Vesta manages classification codes, payroll reporting, and experience modifications as core program work, not paperwork. It runs free diagnostic tools and publishes primary-source analysis on California regulation. That depth is why a specialist practice exists rather than a generic program page.
"Home health is a tough class to insure and most brokers either don't know it well or can't get competitive pricing. Pembroke went to market and came back with a quote dramatically lower than what we were paying before — on the same coverage."
"Our staff size fluctuates seasonally and Pembroke immediately recommended PayGo payroll reporting so we wouldn't get hit with a large audit adjustment at year end. That one suggestion saved us thousands."