MDH 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 Minnesota requires
What is the difference between a basic and comprehensive home care license in Minnesota?
A basic home care license from the Minnesota Department of Health covers assistive tasks such as help with bathing and dressing. A comprehensive license adds nursing and therapy services. Either way, the application asks for proof of workers compensation, while liability coverage is documented only if the provider has it.
Minn. Stat. 144A.471 and 144A.472·checked 2026-10-04
Does Minnesota require workers compensation for home health agencies?
Yes. Minnesota requires every employer liable under its workers compensation law to insure with an authorized carrier or get state approval to self-insure. Sole proprietors and their close family members are excluded from the law.
Minn. Stat. 176.181 and 176.041·checked 2026-10-04
Do Minnesota home health agencies need abuse and molestation coverage?
Not under Minnesota's licensing law. The home care license application asks for workers compensation and for liability coverage only if the provider has it, and abuse and molestation coverage is not mentioned, so where it is required, the requirement comes from an individual contract.
Minn. Stat. 144A.472·checked 2026-10-04
What are the CADI and BI waivers in Minnesota?
CADI (Community Access for Disability Inclusion) and BI (Brain Injury) are Minnesota Medicaid waivers for people with disabilities. Many of the services they fund, such as respite and night supervision, require a license from the Minnesota Department of Human Services under Minnesota Statutes chapter 245D, which sets service standards but no insurance minimums.
Minn. Stat. 245D.03 and 256B.49·checked 2026-10-04
CMS lists 138 Medicare-registered home health agencies in Minnesota 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
- The coverage a Minnesota network checks for, and the one most often missing. Standard general liability excludes it, and a bolted-on sublimit is frequently below the required amount.
- Hired & non-owned autoMatch the contract
- A visit schedule is a driving schedule. Personal policies do not respond to it, and the limit a Minnesota contract names is generally higher than what an aide carries.
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 Minnesota
The organizations that will ask for your certificate.
- Metropolitan Area Agency on Aging (Twin Cities) · Area Agencies on Aging
- Arrowhead Area Agency on Aging (Duluth) · Area Agencies on Aging
- Central Minnesota Council on Aging (St. Cloud) · Area Agencies on Aging
- Southeastern Minnesota AAA (Rochester) · Area Agencies on Aging
- Blue Plus (BCBS Minnesota) · Minnesota Medical Assistance Managed Care
- HealthPartners · Minnesota Medical Assistance Managed Care
- Hennepin Health · Minnesota Medical Assistance Managed Care
- Medica · Minnesota Medical Assistance Managed Care
- UCare · Minnesota Medical Assistance Managed Care
- CADI Waiver · Other
- BI Waiver (Brain Injury) · Other
- Minnesota DHS waiver programs · Other
Questions
Does my Minnesota agency need hired and non-owned auto coverage?
The drive between visits is the gap. General liability does not cover it, a personal policy will not answer a work trip, and Blue Plus and similar Minnesota contracts expect hired and non-owned auto to be in place.
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.
Minnesota 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 Minnesota. 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