AHCA wants $1M / $3M on the certificate.
Florida requires a licensed home health agency to carry $250,000 per claim of liability coverage (Fla. Stat. 400.471(3)). A referral contract can ask for more, and when it does the contract decides. 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 Florida requires
What GL minimum does AHCA require for home health licensure in Florida?
AHCA requires every licensed home health agency to carry malpractice insurance and liability insurance of at least $250,000 per claim, with proof of coverage filed at initial licensure and at every renewal (section 400.471, Florida Statutes).
Fla. Stat. 400.471(3)·checked 2026-10-04
Does Florida require workers compensation for home health agencies?
Yes, once the agency has four or more employees. Florida's workers compensation law covers private employers outside construction with four or more employees (section 440.02, Florida Statutes).
Fla. Stat. 440.02(17)(b)·checked 2026-10-04
What is iBudget Florida and what insurance does it require?
iBudget Florida is the Florida Medicaid waiver for people with developmental disabilities, run day to day by the Agency for Persons with Disabilities (APD). Its provider agreement requires continuous and adequate liability insurance with APD named as certificate holder, and leaves the type and amount to the provider.
iBudget Waiver Coverage and Limitations Handbook (Rule 59G-13.070, F.A.C.)·checked 2026-10-04
CMS lists 1,146 Medicare-certified home health agencies in Florida 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
- One of the two limits that actually fails a Florida non-medical contract. Most general liability forms exclude it, and the version that is included is usually too small for the networks here.
- Hired & non-owned autoMatch the contract
- Your caregivers drive themselves between visits, and their personal auto policy stops covering them the moment the trip is work. Florida contracts require this, and the limit is normally the sticking point.
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 Florida
The organizations that will ask for your certificate.
- Alliance for Aging (Miami-Dade/Monroe) · Area Agencies on Aging
- Area Agency on Aging for Southwest Florida · Area Agencies on Aging
- Elder Options AAA (Gainesville) · Area Agencies on Aging
- Aging & Disability Resource Center of Broward · Area Agencies on Aging
- ElderSource (Northeast Florida) · Area Agencies on Aging
- Senior Connection Center (Tampa Bay) · Area Agencies on Aging
- Area Agency on Aging of Palm Beach/Treasure Coast · Area Agencies on Aging
- Sunshine Health (Centene) · Statewide Medicaid Managed Care
- Molina Healthcare of Florida · Statewide Medicaid Managed Care
- Simply Healthcare · Statewide Medicaid Managed Care
- UnitedHealthcare Community Plan of Florida · Statewide Medicaid Managed Care
- Humana Medical Plan · Statewide Medicaid Managed Care
- Aetna Better Health of Florida · Statewide Medicaid Managed Care
- Wellcare of Florida · Statewide Medicaid Managed Care
Questions
Does my Florida agency need hired and non-owned auto coverage?
Yes, if caregivers drive personal vehicles to client homes, your GL does not cover that exposure.
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.
Florida decides what you must carry. These explain what you are buying, what it excludes, and what moves the price.
Coverage
Tell us what you do. We’ll tell you what it costs.
Licensed in Florida. 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