Insurance built for Alabama home health agencies
We help Alabama home health agencies 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.
Alabama home health agencies face unique compliance requirements. 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 Alabama 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
Alabama requires workers' compensation for employers with five or more employees. Most home health contracts and referral sources require it regardless of size. We work with carriers who understand the home health class code.
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 ADPH expects — so your policy always meets it
Home health agencies in Alabama are licensed by the Alabama Department of Public Health. While ADPH does not mandate a specific minimum general liability limit, most contracts and referral sources require at least $1M per occurrence. Workers' compensation is required for employers with five or more employees. Employee dishonesty bonds are commonly required by referral sources and regional care networks.
Alabama Department of Public Health (ADPH)
$1M per occurrence / $3M aggregate
500+ ADPH-licensed home health agencies statewide
Bond required by state