Connecticut Department of Public Health (CT DPH) wants $1M / $3M on the certificate.
Connecticut’s statute sets $1M/$3M for professional liability rather than general liability (CGS 19a-491(i)). The general liability figure comes from your referral contracts. We set the coverage up and produce the certificate — usually the same day.
Tell us the situation.
One licensed human replies the same business day — not five agents, not an auto-responder. If the policy you have is already the right one, we will tell you.
We use this to quote and service your insurance, and we do not sell it or pass it to lead networks. Privacy policy.
What Connecticut requires
Does Connecticut require workers compensation for home health agencies?
Yes. Connecticut's workers compensation law covers any employer using the services of one or more employees for pay. Each employer must insure that liability or prove to the Workers' Compensation Commission that it can pay claims directly.
Conn. Gen. Stat. ch. 568 (sections 31-275, 31-284)·checked 2026-10-04
What insurance does CT DPH require for home health licensure?
Professional liability, not general liability. Connecticut law bars anyone from operating a home health care agency or home health aide agency without professional liability insurance of at least $1 million per occurrence and $3 million aggregate (section 19a-491 of the General Statutes).
Conn. Gen. Stat. 19a-491(i)·checked 2026-10-04
What is the CHCPE?
The Connecticut Home Care Program for Elders is run by the Department of Social Services, not DPH, to keep elderly residents out of nursing facilities. It has a Medicaid portion and a state-funded portion for people sixty-five and older who are not eligible for Medicaid.
Conn. Gen. Stat. 17b-342·checked 2026-10-04
CMS lists 72 Medicare-certified home health agencies in Connecticut in its July 2026 Home Health Care Agencies file. (CMS Care Compare provider data)
Send us what you have. We’ll tell you if it’s right.
Your current policy paperwork, a renewal notice, or nothing at all. A licensed agent reads it and replies the same business day.
Limits
What to carry, and why that number.
- General liability$1M / $3M
- Abuse & molestationMatch the contract
- Excluded from standard general liability almost everywhere, and the sublimit that does appear rarely reaches the figure a Connecticut contract names. Read that figure before you buy.
- Hired & non-owned autoMatch the contract
- Nobody insures the drive. Personal auto excludes business use, general liability carries no auto coverage at all, and this endorsement is what closes the gap for a Connecticut agency.
Coverage
Six lines. Each one closes a specific hole.
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 home health and home care agencies we placed in 2025 and 2026 actually paid.
These are annual premiums from policies we bound, effective January 2025 to September 2026. We show the median and the middle half of what clients paid, never the cheapest or the most expensive, and only for lines where at least five agencies stand behind the figure.
- Professional liability (including combined general and professional packages)
- $800median a year
- Middle half: $510 to $1,580
- 33 policies from 24 agencies
- Workers compensation
- $2,060median a year
- Middle half: $1,610 to $3,150
- 21 policies from 17 agencies
- General liability, written on its own
- $350median a year
- Middle half: $350 to $510
- 7 policies from 7 agencies
Payroll moves workers compensation more than anything else, and the services you provide, your limits and your claims history move the rest, so treat these as a sense of scale rather than a quote. Source: Boring Insurance bound policies, cancelled policies and test records excluded, refreshed 2026-10-04.
In Connecticut
The organizations that will ask for your certificate.
- Western Connecticut AAA (Waterbury) · Area Agencies on Aging
- South Central Connecticut AAA (New Haven) · Area Agencies on Aging
- Eastern Connecticut AAA (Norwich) · Area Agencies on Aging
- North Central Connecticut AAA (Hartford) · Area Agencies on Aging
- Anthem Blue Cross Blue Shield of Connecticut · HUSKY Health Managed Care
- Aetna Better Health of Connecticut · HUSKY Health Managed Care
- UnitedHealthcare Community Plan of Connecticut · HUSKY Health Managed Care
- Molina Healthcare of Connecticut · HUSKY Health Managed Care
- Connecticut Home Care Program for Elders (CHCPE) · Other
- Department of Developmental Services (DDS) · Other
Questions
Does my agency need hired and non-owned auto coverage?
If your caregivers drive their own cars to client homes, that exposure sits outside general liability entirely. Hired and non-owned auto is the endorsement that covers it, and Connecticut contracts routinely name it.
Our caregivers drive their own cars. What does the carrier require?
That they keep their own auto insurance, and that you check their driving records every year. Hired and non-owned auto is written excess of the driver’s personal policy rather than instead of it, so a caregiver whose own coverage lapsed is functionally uninsured on a client visit and the agency absorbs what follows. Annual motor vehicle record checks are the second condition, and annual means annual: a check at hire and nothing after is the version carriers find at claim time. Both are cheaper to build into hiring and review than to explain afterwards.
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.
Read next
The coverage itself, explained.
Connecticut decides what you must carry. These explain what you are buying, what it excludes, and what moves the price.
Coverage
Nearby states
Tell us what you do. We’ll tell you what it costs.
Licensed in Connecticut. Have your payroll figures and a list of services on hand — those are the two things that slow a quote down.
Start a quoteLast reviewed 2026-08-16