Michigan Department of Licensing and Regulatory Affairs 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 Michigan requires
Does Michigan require workers compensation for home health agencies?
Michigan's workers compensation act covers private employers that regularly employ three or more people at one time. A smaller employer is covered too if any one employee has worked 35 or more hours a week for 13 weeks or longer in the past 52 weeks.
MCL 418.115·checked 2026-10-04
Does Michigan license home health agencies?
No. Michigan does not license home health agencies; LARA says state licensing is not required. An agency that wants Medicare or Medicaid certification is surveyed by LARA on behalf of CMS.
Michigan LARA, Home Health Agencies·checked 2026-10-04
Do Michigan home health agencies need abuse and molestation coverage?
Not under Michigan Medicaid rules. The MI Choice section of the Medicaid Provider Manual lists the coverages a direct service provider must carry, and abuse and molestation coverage is not among them, so where it is required, the requirement comes from an individual contract.
Michigan Medicaid Provider Manual, MI Choice Waiver §9.13·checked 2026-10-04
What is the MI Choice Waiver?
MI Choice is Michigan's Medicaid waiver for adults 18 and over who are aged or physically disabled and would otherwise need nursing facility care. Michigan's Medicaid Provider Manual requires every MI Choice direct service provider to carry workers compensation and general liability, among other coverages, plus fidelity bonding for anyone handling cash. Professional liability is recommended, not required.
Michigan Medicaid Provider Manual, MI Choice Waiver §9.13 and Special Programs §5.1·checked 2026-10-04
CMS lists 371 Medicare-registered home health agencies in Michigan in its Home Health Care Agencies dataset (2026 release). (CMS Provider Data Catalog)
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 Michigan 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 Michigan 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 Michigan
The organizations that will ask for your certificate.
- Detroit Area Agency on Aging · Area Agencies on Aging
- Area Agency on Aging 1-B (Southfield) · Area Agencies on Aging
- Tri-County Office on Aging (Lansing) · Area Agencies on Aging
- Area Agency on Aging of Western Michigan (Grand Rapids) · Area Agencies on Aging
- Northeast Michigan Community Service Agency AAA · Area Agencies on Aging
- Blue Cross Complete of Michigan · Michigan Medicaid Managed Care
- McLaren Health Plan Community · Michigan Medicaid Managed Care
- Meridian Health Plan of Michigan · Michigan Medicaid Managed Care
- Molina Healthcare of Michigan · Michigan Medicaid Managed Care
- Priority Health Choice · Michigan Medicaid Managed Care
- UnitedHealthcare Community Plan of Michigan · Michigan Medicaid Managed Care
- MI Choice Waiver Program · Other
- MDHHS waiver programs · Other
Questions
Does my Michigan 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 Michigan 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.
Michigan 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 Michigan. 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