CHFS wants $1M / $3M on the certificate.
The standard floor in home health contracts. It varies by business, so the contract governs — but this is what most MCOs and referral sources ask for before they will accept an agency. We set the coverage up and produce the certificate — usually the same day.
What Kentucky requires
Does Kentucky require workers compensation for home health agencies?
Yes — Kentucky requires workers compensation for all employers with one or more employees.
Kentucky Cabinet for Health and Family Services·checked 2026-08-16
What insurance do Kentucky Medicaid contractors need?
Contracts require general liability of at least $1M per occurrence / $3M aggregate, professional liability, workers compensation, and an employee dishonesty bond.
Kentucky Cabinet for Health and Family Services·checked 2026-08-16
Do Kentucky home health agencies need abuse and molestation coverage?
Yes — required by most Kentucky Medicaid MCOs and referral sources.
Kentucky Cabinet for Health and Family Services·checked 2026-08-16
What are the unique risks for home health agencies in rural Kentucky?
Agencies in Appalachian Kentucky face unique geographic and client population risks. We work with carriers who have experience in the home health class code for rural Kentucky markets.
Kentucky Cabinet for Health and Family Services·checked 2026-08-16
Kentucky has 700+ CHFS-licensed home health agencies. (Kentucky Cabinet for Health and Family Services)
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 non-medical home health contract. It is routinely excluded from a standard general liability policy, and where it is included the limit is often set below what the contract demands.
- Hired & non-owned autoMatch the contract
- The other one that fails. Aides drive their own cars between client homes, their personal policy will not respond to a business trip, and the limit carried is frequently too low for the contract.
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.
In Kentucky
The organizations that will ask for your certificate.
- Barren River AAA (Bowling Green) · Area Agencies on Aging
- Bluegrass AAA (Lexington) · Area Agencies on Aging
- KIPDA AAA (Louisville) · Area Agencies on Aging
- Lake Cumberland AAA · Area Agencies on Aging
- Purchase AAA · Area Agencies on Aging
- Aetna Better Health of Kentucky · Kentucky Medicaid Managed Care
- Anthem Blue Cross Blue Shield of Kentucky · Kentucky Medicaid Managed Care
- Humana CareSource · Kentucky Medicaid Managed Care
- Molina Healthcare of Kentucky · Kentucky Medicaid Managed Care
- UnitedHealthcare Community Plan of Kentucky · Kentucky Medicaid Managed Care
- WellCare of Kentucky · Kentucky Medicaid Managed Care
- Kentucky HCBS Waivers · Other
- Department for Behavioral Health and Developmental Disabilities · Other
Questions
Does my Kentucky agency need hired and non-owned auto coverage?
If caregivers drive personal vehicles to client homes across rural Kentucky, your GL does not cover that exposure.
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.
Tell us what you do. We’ll tell you what it costs.
Licensed in Kentucky. 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