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 senior-living organizations. VGM has launched a comprehensive senior-living insurance product available in all 50 states, designed specifically for assisted-living facilities, skilled-nursing homes, and residential-care settings. It also offers an exclusive workers’ compensation program for allied-healthcare businesses, including providers that support seniors in their homes and communities.
Who Is VGM Insurance Services in Healthcare and Senior-Care Risk?
VGM’s senior-living program provides customized insurance coverage to senior-living facilities, including long-term-care and skilled-nursing facilities. Program features include healthcare professional-liability and healthcare general liability on a claims-made basis, follow-form excess liability, workers’ compensation, employee-benefits liability, hired/non-owned auto, management liability, physical/sexual-abuse liability, evacuation-expense reimbursement, medical payments, and legal defense.
VGM has also launched a proprietary workers’ compensation program, available in all 50 states, specifically designed for allied-healthcare businesses and the producers who support them. The program is backed by A-rated carriers and aims to protect employees and organizations while reflecting the unique risks of post-acute and community-based care.
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 allied-health 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 workforce-injury data essential for underwriting and risk-management collaboration.
Case Study
A healthcare organization operates senior-living communities and an HME/home-care business, placing coverage through VGM’s senior-living program and workers’ compensation 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, HME, and HR systems, limiting cross-portfolio learning.
The organization implements Caring Data to unify facility, HME, and workers’ compensation incident reporting, tagging events by location, equipment type, employee role, 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 allied-health operations.
Testimonials
“Our VGM underwriter told us that seeing senior-living and allied-health 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; senior-living/workers-comp contact commonly 800-362-3363
Emails (listing): 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 (Ohio-Based Program) – United States