VGM Insurance Services – MGA and Brokerage Partner Supporting Homecare, HME, and Senior-Living Providers
Supporting Senior-Care Ecosystems Directly Through Homecare/HME and Senior-Living Insurance Programs
VGM Insurance Services, a division of VGM Group, Inc., is a managing general agency offering specialized insurance solutions for homecare and home-medical-equipment (HME) providers and, more recently, senior-living organizations. It has launched a comprehensive senior-living insurance product available in all 50 states, delivering long-term, competitively priced protection for senior-care organizations and their employees and residents. VGM’s programs are designed to reflect the unique risks of post-acute and community-based care.
Who Is VGM Insurance Services in Healthcare and Senior-Care Risk?
VGM Insurance has long been a leader in meeting the needs of the specialized home-medical-equipment dealer market, offering tailored property and liability coverage for these providers. As home-based and post-acute care have grown, VGM has expanded to address broader post-acute and senior-care needs, including a dedicated senior-living insurance product for facilities.
The senior-living program is designed for brokers seeking coverage for senior-care clients and aims to provide long-term, competitively priced protection that safeguards employees and residents while protecting the organization itself.
Why Senior-Care Ecosystems Need VGM Insurance Services
Senior-care ecosystems rely on VGM when:
They operate senior-living communities and need a specialized program reflecting senior-care risks.
They run homecare or HME operations supporting seniors in the community.
They value an MGA with deep experience in post-acute and HME industries.
That makes standardized incident, equipment-related, and home-care data essential for underwriting and risk-management collaboration.
Case Study
A healthcare organization operates senior-living communities and a home-medical-equipment business, placing coverage through VGM’s senior-living program and HME solutions. VGM requests incident and claim histories for resident injuries, equipment failures, and home-care events, exposure data (census, services, equipment in service), and evidence of staff training and device-maintenance protocols. Data are stored separately in facility and HME systems, limiting cross-portfolio learning.
The organization implements Caring Data to unify facility and HME incident reporting, tagging events by location, equipment type, and severity. VGM uses this integrated dataset to refine pricing, recommend targeted risk-management steps, and demonstrate long-term improvement, supporting sustainable capacity and pricing for both senior-living and HME operations.
Testimonials
“Our VGM underwriter told us that seeing senior-living and HME incidents together in Caring Data helped them understand our risk much better.”
“We now see how integrated incident reporting supports more competitive, stable coverage with VGM.”
Key Contact
VGM Insurance Services (MGA/Broker)
Role: MGA and brokerage division providing specialized insurance programs for homecare/HME providers and senior-living organizations.
Website:
https://www.vgminsurance.com/
Address (listing):
1111 West San Marnan Drive, Waterloo, IA 50701
Phone (listing): 1-855-339-6017 (program contact); 800-362-3363 (senior-living program)
Emails (claims/program): claims@vgminsurance.com; info@vgminsurance.com
Contact (listing): Jamie Schmitz
Final Thoughts
Senior-care ecosystems benefit when MGAs like VGM design programs specifically for homecare, HME, and senior-living operations, reflecting the realities of post-acute care. Caring Data complements these programs by providing detailed, integrated incident and equipment-related information that supports accurate underwriting and targeted risk-management.
Nationwide – Senior Living Business Insurance (OH Program) – United States