Indiana Department of Health wants $1M / $3M on the certificate.
Where no state rule on this page sets a figure, your referral contracts set it, and the one asking the most decides what you carry. Ask each referral source for its insurance exhibit before you buy. 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 Indiana requires
Does Indiana require workers compensation for home health agencies?
Yes. Indiana's Worker's Compensation Act covers any employer using the services of another for pay, and IC 22-3-2-5 requires that employer to insure or to get Worker's Compensation Board approval to carry the risk itself. Sole proprietors and partners are covered only if they elect to be.
Indiana Code 22-3 (Indiana General Assembly)·checked 2026-10-04
Does Indiana law require insurance for a home care agency?
Indiana requires a personal services agency, its license for non-medical home care, to hold a license from the Indiana Department of Health. The one insurance rule written into that law covers lift services, so an agency that provides them must have a liability policy that covers lift services.
Indiana Code 16-27-4-6·checked 2026-10-04
What is the Indiana CHOICE Program?
CHOICE, short for Community and Home Options to Institutional Care for the Elderly and Disabled, is an Indiana state program created by IC 12-10-10. It serves residents who are at least 60 or have a severe chronic disability, with case management run locally by area agencies on aging.
Indiana Code 12-10-10·checked 2026-10-04
CMS Care Compare lists 173 Medicare-certified home health agencies in Indiana (July 2026 data). (CMS Care Compare, Home Health Care Agencies)
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 an Indiana 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 an Indiana 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 Indiana
The organizations that will ask for your certificate.
- CICOA Aging & In-Home Solutions (Indianapolis) · Area Agencies on Aging
- Area 2 Agency on Aging (Fort Wayne) · Area Agencies on Aging
- LifeStream Services (Muncie) · Area Agencies on Aging
- SWIRCA & More (Evansville) · Area Agencies on Aging
- REAL Services (South Bend) · Area Agencies on Aging
- Anthem Blue Cross Blue Shield of Indiana · Indiana Medicaid Managed Care
- MDwise (Centene) · Indiana Medicaid Managed Care
- UnitedHealthcare Community Plan of Indiana · Indiana Medicaid Managed Care
- Molina Healthcare of Indiana · Indiana Medicaid Managed Care
- Indiana Division of Aging · Other
- Indiana DDRS · Other
- Indiana CHOICE Program · Other
Questions
Does my Indiana 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 Indiana 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.
Indiana 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 Indiana. 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