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800.449.0645 Caregiver Support

Meet the ClearCare Insurance team

One of the biggest financial challenges facing home care agencies is rising workers’ compensation insurance premiums. Because caregivers are working in uncontrolled and unsupervised environments, insurance underwriters see high risk. The result is high and often rising insurance premiums.

Enter ClearCare Insurance Solutions, a fully licensed, full-service, workers’ compensation insurance agency created exclusively for private-duty home care agencies. The team has dedicated sales and service team members with more than 100 years of combined insurance industry experience. By combining experts in home care, technology, and workers' comp, the results have been amazing. 

The ClearCare Insurance team sits in the same office space in San Francisco as the rest of the ClearCare support and services group. We chose this because we wanted our customers to have the same high-level of responsiveness and support as ClearCare provides for our core platform. And, we've built thousands of relationships with home care agency owners who are using our home care software system and we wanted the insurance team to be just as solid and connected to you.   

I'm proud of the team we've built and the savings we've been able to find for hundreds of agencies. Here are a few commitments we've made if a home care agency decides to work with us: 

  • WorkSafe - Assist in the implementation and support of the built-in safety program that is behind the pre-negotiated work comp credits. 
  • Nurse Triaging Service – Should an incident occur, caregivers are directed to a 24/7 nurse-on-call service, proven to reduce the number of filed claims by 40% and the ultimate cost of each claim by 50%.
  • Claims Management Services - Monthly review of claims incurred to assist customer in minimizing costs and returning injured caregivers back to work.
  • Pay-as-you-go – Choose pay-as-you-go payment options to improve cash flow by reducing large upfront premium deposits.
  • Insurance Services Department – We'll help with policy updates, renewals, and all the details. 

Meet the ClearCare Insurance Team!

Dean_Watters_128x128.pngDean Watters. Dean Watters is responsible for leading the ClearCare Insurance Solutions team delivering workers' compensation insurance to ClearCare platform customers. Dean is a seasoned insurance and financial services executive with a track record of successful startups.  Dean led ADP's successful entry into the insurance space by offering work comp and other insurance products to ADP payroll clients.  He has extensive experience in developing and launching insurance programs to help reduce costs for misunderstood industry classes like home care. Dean has five children, four grandsons and splits his time between San Diego and Mill Valley, CA.

Underwriting & Insurance Services 

Amy_Newman_128x128.pngAmy Neuman. Amy went to college to become an English as a 2nd language teacher. While working at an insurance firm during college she found she really enjoyed the insurance world.  She finished her degree  but continued with insurance and is  celebrating her 20th year. She has her Associate in Risk Management (ARM) designation and comes to ClearCare Insurance with a strong commercial insurance background with emphasis on client advocacy, process and efficiency. When Amy is not at work you can find her volunteering at Rocket Dog Rescue, going to baseball games, camping, or hiking with her rescue pups, Molly, Tito, Pico & Buster.

Manny Reyes.
Manny is a graduate of the University of San Francisco and a native of Monterey, CA. He entered the Insurance industry through an internship at a San Francisco based commercial retail broker.  When not assisting his clients, Manny can be found playing and watching soccer, exploring and trying new restaurants in San Francisco with his girlfriend and dog Rocky.

Andrew Ton. 
Andrew worked at ClearCare as a Product Support Specialist before making the move to insurance. He works directly with ClearCare customers every day to help them overcome their product and business challenges and brings his knowledge of the platform and experience working with home care agencies to provide the best service experience for our customers. In his spare time, Andrew is going to concerts, hiking, and lounging with his bulldog, George.

Maria_Villafuerte_128x128.pngMaria Villafuerte. Maria has a law degree and has been a licensed insurance broker for over 16 years. She has sales and account management experience, with a focus on managing risks on a commercial level. Throughout her career, she has been entrusted with her own accounts, ranging in size from start-up to Fortune 50. Her industry knowledge and extensive client-facing experience makes her a versatile contributor to our seasoned team of insurance professionals. In her personal life, she spends time with seniors as part of a rest home ministry, and volunteers at her church and at other organizations. She enjoys music and leads worship from time to time.


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Dean Watters

Dean Watters is responsible for leading the ClearCare Insurance Solutions team delivering workers' compensation insurance to ClearCare platform customers. Dean has five children, four grandsons and splits his time between San Diego and Mill Valley, CA.