Business Details
36 Years
experience
Your Trusted Partner for Specialty Insurance Solutions
VGM Insurance has served as a trusted leader in the business insurance industry for over 30 years. Our employee-owned company specializes in providing tailored insurance solutions and proactive risk management strategies for niche markets across the United States. With deep expertise in healthcare, home medical equipment, physical therapy, and senior living sectors, we deliver innovative coverage options designed to meet the unique needs of each client. Our commitment to building lasting relationships is reflected in our personalized approach, which extends beyond standard policies to include comprehensive risk management resources and exceptional customer service. Backed by partnerships with A.M.Best A-rated carriers, we combine industry-specific knowledge with competitive pricing to protect businesses while helping them manage costs effectively. Our team of dedicated professionals works directly with clients and brokers to ensure customized coverage that aligns with operational requirements and regulatory standards.
Services
Home Medical Equipment Insurance
Home Health & Hospice Insurance
Physical Therapy Coverage
Orthotic & Prosthetic Insurance
Senior Living Insurance
Workers Compensation Programs
Cyber Liability Protection
Commercial General Liability
Details
- Year established: 1990
Highlights and features
- We offer over 30 years of specialized experience in niche insurance markets
- Our programs are designed by industry experts with healthcare expertise
- We partner exclusively with A.M. Best A-rated or higher carriers
- We provide access to comprehensive risk management resources and tools
- Our employee-owned structure ensures personalized service and accountability
Associations and certifications
- A.M. Best
Services
Home Medical Equipment Insurance
Our Home Medical Equipment insurance program offers comprehensive protection tailored to providers of durable medical equipment and home healthcare services. This specialized coverage includes commercial general liability, professional liability, property insurance, and workers' compensation with risk management resources designed specifically for the home medical equipment industry. Our policies help businesses maintain compliance while protecting against equipment damage, patient injuries, and operational risks associated with home healthcare delivery.
Senior Living Insurance
Senior Living insurance solutions provide specialized protection for assisted living facilities, skilled nursing homes, and independent living communities. Our coverage options include healthcare liability, abuse liability, evacuation expense reimbursement, and management liability tailored to the unique risks of senior care facilities. With industry-specific expertise and partnerships with top-rated carriers, we help senior living providers manage regulatory compliance and protect against liability claims while maintaining quality care standards.
Workers Compensation Programs
Our proprietary Workers Compensation programs deliver competitive pricing and specialized coverage for high-risk industries including healthcare, home medical equipment, and physical therapy. These programs feature streamlined claims processes, industry-specific risk management resources, and dedicated support tailored to the unique occupational hazards of each sector. Our approach combines cost-effective protection with proactive safety initiatives to help businesses reduce workplace injuries and manage insurance costs effectively.
Cyber Liability Protection
Cyber Liability coverage safeguards businesses against data breaches, ransomware attacks, and other cyber threats that could compromise sensitive patient information. This protection includes coverage for data recovery costs, legal defense expenses, and regulatory fines associated with cybersecurity incidents. Our policies incorporate risk management tools and breach response resources specifically designed for healthcare providers and medical equipment suppliers handling protected health information.
Commercial General Liability
Commercial General Liability insurance protects businesses against third-party claims for property damage, bodily injury, and advertising injuries. Our policies include coverage for premises liability, product liability, and completed operations risks with limits tailored to the specific exposures of each industry. This foundational coverage works in conjunction with specialized insurance programs to provide comprehensive protection against common business risks.
People
Jim Nygren
President
Jim Nygren leads VGM Insurance with over 30 years of experience in specialty insurance programs. His leadership focuses on building long-term client relationships and maintaining the company's employee-owned values while driving innovation in niche insurance markets.
Tera O'Hare
Senior VP of Technology
Tera O'Hare oversees technology strategy at VGM Insurance, bringing expertise in digital transformation and data security. With extensive experience in insurance technology systems, she leads initiatives to enhance digital services and operational efficiency for clients and internal teams.
Ron Green
Chief Underwriting Officer
Ron Green directs underwriting operations with deep expertise in risk assessment and insurance product development. His leadership ensures the company maintains rigorous underwriting standards while delivering innovative coverage solutions tailored to emerging industry needs.
Wendy Harris
Senior VP of Claims
Wendy Harris manages claims operations with a focus on efficient resolution and client satisfaction. Her extensive claims management experience ensures policyholders receive timely, fair treatment while maintaining the company's commitment to quality service standards.
John Pacitti
VP of Underwriting
John Pacitti leads underwriting initiatives with specialized knowledge in healthcare insurance programs. His expertise in risk evaluation and policy structuring helps ensure clients receive appropriately tailored coverage while maintaining the company's financial strength.
Questions
What types of insurance programs does VGM Insurance specialize in?
We specialize in healthcare-related insurance programs including home medical equipment, home health & hospice, physical therapy, orthotic & prosthetic, and senior living coverage.
How does VGM Insurance handle claims processing?
Our claims team provides personalized service with experienced adjusters who understand industry-specific risks, ensuring timely and fair resolution of claims while maintaining transparent communication.
Can I work with VGM Insurance if I already have a broker?
Yes, we work directly with your current broker to provide seamless service while maintaining our commitment to competitive pricing and comprehensive coverage options.
What risk management resources are available to policyholders?
We provide access to industry-specific risk management tools, safety training materials, and loss control services designed to help prevent incidents and reduce insurance costs.
How does VGM Insurance ensure competitive pricing?
We combine industry expertise with partnerships with top-rated carriers to deliver cost-effective solutions while maintaining high standards of coverage and service quality.
What makes VGM Insurance different from other providers?
Our employee-owned structure, industry specialization, and commitment to 'protection beyond policies' create a unique client experience focused on long-term relationships and tailored solutions.
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