Insurance built for home health agencies
Independent commercial insurance for licensed home health, home care and HCBS providers — placed by someone who owned and ran an agency before he insured them.
Tell us the situation.
A licensed human replies the same business day — not an auto-responder, and not five producers calling at once. We shop it across our carriers and tell you if the policy you already have is the right one.
We use this to quote and service your insurance, and we do not sell it or pass it to lead networks. Privacy policy.
What home health agency businesses actually need.
Professional liability
Covers claims that care delivered in the home fell below the standard a reasonable provider would meet.
Without it — A single allegation of negligent care is defended out of pocket, and most state and MCO contracts will not accept the agency without it.
General liability
Bodily injury and property damage arising from operations — a fall in a client home, damage to a client residence.
Without it — The most common home-visit claim there is has no defense behind it.
Abuse and molestation
Defense and indemnity for allegations against a caregiver, including claims that the agency hired or supervised negligently.
Without it — Nearly every general liability form excludes it by endorsement, so the exposure most likely to end an agency is the one most often uninsured.
Workers compensation
Statutory benefits for caregiver injury — the highest-frequency loss in the industry, driven by lifting and transfers.
Without it — Medical and indemnity costs land on the agency directly, and in most states operating without it is illegal.
Non-owned and hired auto
Liability when a caregiver drives their own car between clients or transports a client.
Without it — The caregiver’s personal auto policy defends the caregiver. The agency is named anyway, and has nothing responding.
Cyber and privacy
Breach response, notification and regulatory defense for PHI held in scheduling, EVV and billing systems.
Without it — HIPAA notification costs begin immediately and are not covered by any other line on the policy.
What your state requires.
- Alabama caregiver liability insuranceAlabama Department of Public Health
- Alaska caregiver liability insuranceAlaska Department of Health
- Arizona caregiver liability insuranceArizona Department of Health Services
- Arkansas caregiver liability insuranceArkansas Department of Health
- California caregiver liability insuranceCalifornia Department of Public Health
- Colorado caregiver liability insuranceColorado Department of Public Health and Environment
- Connecticut caregiver liability insuranceConnecticut Department of Public Health (CT DPH)
- Delaware caregiver liability insuranceDelaware Division of Public Health
- District of Columbia caregiver liability insuranceDC Health (Department of Health)
- Florida caregiver liability insuranceFlorida Agency for Health Care Administration
- Georgia caregiver liability insuranceGeorgia Department of Community Health
- Hawaii caregiver liability insuranceHawaii Department of Health
- Idaho caregiver liability insuranceIdaho Department of Health and Welfare
- Illinois caregiver liability insuranceIllinois Department of Public Health
- Indiana caregiver liability insuranceIndiana State Department of Health
- Iowa caregiver liability insuranceIowa Department of Inspections, Appeals, and Licensing
- Kansas caregiver liability insuranceKansas Department for Aging and Disability Services
- Kentucky caregiver liability insuranceKentucky Cabinet for Health and Family Services
- Louisiana caregiver liability insuranceLouisiana Department of Health
- Maine caregiver liability insuranceMaine Department of Health and Human Services
- Maryland caregiver liability insuranceMaryland Department of Health
- Massachusetts caregiver liability insuranceMassachusetts Department of Public Health
- Michigan caregiver liability insuranceMichigan Department of Licensing and Regulatory Affairs
- Minnesota caregiver liability insuranceMinnesota Department of Health
- Mississippi caregiver liability insuranceMississippi State Department of Health
- Missouri caregiver liability insuranceMissouri Department of Health and Senior Services
- Montana caregiver liability insuranceMontana Department of Public Health and Human Services
- Nebraska caregiver liability insuranceNebraska Department of Health and Human Services
- Nevada caregiver liability insuranceNevada Department of Health and Human Services
- New Hampshire caregiver liability insuranceNew Hampshire Department of Health and Human Services
- New Jersey caregiver liability insuranceNew Jersey Department of Health
- New Mexico caregiver liability insuranceNew Mexico Department of Health
- New York caregiver liability insuranceNew York State Department of Health
- North Carolina caregiver liability insuranceNorth Carolina Division of Health Service Regulation
- North Dakota caregiver liability insuranceNorth Dakota Department of Health and Human Services
- Ohio caregiver liability insuranceOhio Department of Health
- Oklahoma caregiver liability insuranceOklahoma State Department of Health
- Oregon caregiver liability insuranceOregon Health Authority
- Pennsylvania caregiver liability insurancePennsylvania Department of Health (PA DOH)
- Rhode Island caregiver liability insuranceRhode Island Department of Health
- South Carolina caregiver liability insuranceSouth Carolina Department of Health and Environmental Control
- South Dakota caregiver liability insuranceSouth Dakota Department of Health
- Tennessee caregiver liability insuranceTennessee Department of Health
- Texas caregiver liability insuranceTexas Health and Human Services Commission
- Utah caregiver liability insuranceUtah Department of Health and Human Services
- Vermont caregiver liability insuranceVermont Department of Health
- Virginia caregiver liability insuranceVirginia Department of Health
- Washington caregiver liability insuranceWashington State Department of Health (WA DOH)
- West Virginia caregiver liability insuranceWest Virginia Department of Health
- Wisconsin caregiver liability insuranceWisconsin Department of Health Services
- Wyoming caregiver liability insuranceWyoming Department of Health
What home health agency operators ask us.
What limits do most contracts require?
$1,000,000 per occurrence and $3,000,000 aggregate is the common requirement across state Medicaid contracts and managed care organizations. Some MCOs require the agency be named on a certificate before the first authorization is issued.
Is abuse and molestation coverage really necessary?
For an agency sending caregivers into private homes, it is the coverage most likely to be needed and least likely to be present. Standard general liability forms exclude it, so it has to be added deliberately — and most contracts now require evidence of it.
Do caregivers driving their own cars need to be covered?
Yes. A caregiver’s personal auto policy responds for the caregiver, not the agency. Hired and non-owned auto liability is what responds when the agency is named in the suit, which it will be.
How fast can coverage be bound?
Same day is normal for a licensed agency with clean loss history. What slows it down is missing payroll detail or an incomplete list of services provided — have both ready.