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800.449.0645 Caregiver Support

ClearCareOnline InsuranceWorkers' Compensation Insurance 

WorkSafe Central streamlines safety and extends pre-negotiated credits for lower premiums.  

Workers' Compensation Insurance for Home Care

WellSky Personal Care's insurance team has over 50 years of insurance experience, including the leadership that built the workers' comp division at ADP. The savings on workers' comp are exclusively available to agencies using WorkSafe Central, a built-in caregiver safety program with pre-negotiated discounts exclusive to home care agencies using the ClearCare home care software system.


 Highly Competitive Rates

Many agencies see 10-20% lower rates than their best available rate. 

 Best-Rated Insurance Carriers

We've partnered with multiple A rated carriers who have agreed to provide pre-negotiated credits for use of WorkSafe Central.

Competitive Premiums

An integrated safety program like WorkSafe results in a safer workplace, meaning fewer claims. WorkSafe also reduces late claim reporting, which has an exponential impact on claims costs and legal expenses. Fewer claims and lower claim costs drive immediate and future premium savings.

Pay As You Go

Pay Workers’ Compensation premiums based on actual payrolls to conserve cash flow and reduce large balance swings at time of audit. Pick from weekly to monthly based on what is most convenient for you.

Program Highlights

  • “A” Rated Carrier
  • Available in all states except Alaska, Hawaii, Ohio, North Dakota, Washington, and Wyoming
  • Competitive rates
  • Flexible pay plans, including pay as you go
  • Quick turnaround

More Insurance Credits with WorkSafe

The more confidence an insurance underwriter has with your business, the more credits they will extend to lower your premiums. ClearCare built WorkSafe Central, a built-in caregiver safety program, to make caregiver safety easy to manage and give you exclusive credits only offered to ClearCare customers.

We have many cases where agencies saved $50,000-$100,000 on their premiums and were able to make significant investments back into their business.

 Quick Quotes

We can begin the quote process as early as 90 days from your renewal date. If you're a startup, you and/or your key staff should have 2 years or more of medical and business management experience.

 Experienced Insurance Professionals

Work with a licensed insurance agent to help you through the quote process. This program is only available to home care agencies using ClearCare. The result - safety tools generating great rates.


Nurse Triage Service

Receive nurse triage service to keep you focused on the business. 

Prevent Fraudulent Claims

Telephony through WorkSafe confirms that caregivers had an injury-free shift. Investigate claims with confidence.

You've Got Questions. We've Got Answers.

Is WellSky a licensed insurance company?

CCO Insurance Solutions LLC is an affiliate of WellSky. All insurance products will be offered and sold only through CCO Insurance Solutions LLC and its licensed agents. CA License #0K36422. Certain services may not be available in all states.

Do you offer other types of insurance?

Yes, we offer the business liability package if we handle or quote the Workers’ Compensation.

What is WorkSafe Central and how much does it cost?

WorkSafe Central is a caregiver safety program that is built in to the WellSky Personal Care platform. The modules include a Home Safety Assessment, Return-to-Work Program, Caregiver Safety Training and Reminders, and more. WorkSafe Central is free for WellSky Personal Care customers with a commitment to allow ClearCare Insurance to quote their workers’ compensation business annually, except in AL, AK, ID, MN, MT, NM, ND, OH, SC, NY, & NC where WorkSafe is free upon request.

Can you get rates better than my local broker?

Yes, in most scenarios. By using WorkSafe Central, you have one of the strongest safety narratives in the industry. This confidence allows WellSky Personal Care to negotiate discounts on your behalf that are not always offered by local brokers.

What are the requirements to receive a workers' compensation quote?

To be eligible to receive a competitive workers' compensation quote: 

You must be in business for two years. )If fewer than two years, demonstrated business management and healthcare experience is required.)

You must have an active WellSky Personal Care account or be in contract.

Request a demo of the WellSky Personal Care platform

When should I request a workers' compensation quote?

We can begin the quote process as early as 90 days from your renewal date. If you're a startup, you and/or your key staff should have 2 years or more of medical and business management experience to be eligible.