Insurance built for home health agencies
We help home health agencies across the country get the right coverage — at the right price — without the runaround.
Most brokers miss the coverage gaps that put your license at risk
Your caregivers drive clients in their own cars. Most policies don't cover that. One accident and you're personally exposed.
Home health agencies face unique compliance requirements that vary by state. The wrong policy puts your license at risk.
One abuse or neglect allegation can end your agency without the right coverage in place. Most brokers don't even offer this policy.
Everything your home health agency needs — including what others forget
General liability
Covers bodily injury and property damage claims from your operations or aides working in client homes.
Professional liability
E&O coverage for claims arising from care decisions, missed visits, or alleged negligent service delivery.
Abuse & molestation
Critical for home health. Covers claims of sexual abuse or molestation involving aides and vulnerable clients in their homes. Routinely excluded from standard GL policies — most brokers never think to add it.
Crime / employee dishonesty bond
Protects your agency if an employee steals from a client or from your business. Required by many referral sources and essential when aides have unsupervised access to clients' homes and belongings.
Workers compensation
Workers' compensation requirements vary by state. Most home health managed care contracts and referral sources require it regardless of state law. We work with carriers who understand the home health class code in every state we operate.
Hired / non-owned auto
Covers your agency when aides use their personal vehicles to drive to client appointments — the gap most policies quietly ignore.
We know what your state requires — so your policy always meets it
Home health agencies are licensed at the state level, and insurance requirements vary by state. Most referral sources, managed care organizations, and state health departments require general liability coverage of at least $1M per occurrence. Workers' compensation requirements depend on your state's law. Employee dishonesty bonds are required by most referral sources. We make sure your policy meets your state's specific requirements.
Your state's health licensing agency
$1M per occurrence / $3M aggregate (industry standard)
30,000+ licensed home health agencies nationwide
Bond required by many referral sources
Area Agencies on Aging (AAAs)
We work with home health agencies contracted with AAAs across all 50 states and DC. AAAs typically require general liability, professional liability, workers compensation, and an employee dishonesty bond as a condition of contracting.
Medicaid Managed Care Organizations
We specialize in placing coverage that meets the requirements of Medicaid managed care contracts in every state — including abuse and molestation coverage that most MCOs require but most brokers never add.
Regional Centers (California)
We place coverage for agencies contracted with all 21 California Regional Centers, including complex multi-carrier programs required for vendorization.
IHSS and State Waiver Programs
We work with agencies participating in IHSS, HCBS waivers, and other state-administered programs that require specific insurance to maintain enrollment.
What insurance does a home health agency need?
At minimum: general liability, professional liability, workers compensation, and an employee dishonesty bond. Most referral sources and managed care contracts also require abuse and molestation coverage and hired/non-owned auto. Requirements vary by state — we make sure your policy meets all of them.
What is abuse and molestation insurance?
Abuse and molestation coverage protects your agency against claims involving caregivers and vulnerable clients in their homes. This is routinely excluded from standard GL policies — most brokers never think to add it. Most managed care organizations and referral sources require it explicitly.
What is an employee dishonesty bond?
An employee dishonesty bond protects your agency if a caregiver steals from a client or your business. Most referral sources, managed care contracts, and Regional Centers require it as a condition of contracting.
What is hired and non-owned auto coverage?
If your caregivers drive their personal vehicles to client homes, your standard GL policy does not cover accidents that occur in the course of that work. Hired and non-owned auto fills that gap and is required by most managed care contracts.
Do home health agencies need workers compensation?
Workers compensation requirements vary by state — but even in states where it is not legally required, virtually all managed care contracts and referral sources require it as a condition of contracting. We work with carriers who understand the home health class code in every state.