Insurance built for Alabama home health agencies
GL, professional liability, abuse & molestation, employee dishonesty bonds, and hired/non-owned auto — from brokers who know ADPH requirements.
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.
ADPH-licensed agencies need specific coverage that most generalist brokers miss — especially abuse & molestation and employee dishonesty bonds required by referral sources.
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
Area Agencies on Aging
- Central Alabama Aging Consortium
- Area Agency on Aging of Jefferson/Shelby Counties
- South Alabama Regional Planning Commission AAA
- Tennessee Valley AAA
Medicaid Managed Care
- UnitedHealthcare Community Plan of Alabama
- Centene / Alabama Community Healthy Adults Program
Other
- Alabama Department of Senior Services
- Private Duty Home Care Association
Does Alabama require workers compensation for home health agencies?
Alabama requires workers compensation for employers with five or more employees. Most home health referral sources and managed care contracts require it regardless of headcount.
What is the minimum GL limit required for ADPH-licensed agencies?
ADPH does not mandate a specific minimum GL limit for licensure, but most referral sources and contracts require at least $1M per occurrence / $3M aggregate.
Do Alabama home health agencies need abuse and molestation coverage?
Yes — this coverage is routinely excluded from standard GL policies. For agencies working with vulnerable adults it is essential and required by most regional care networks.
What is an employee dishonesty bond and do I need one?
An employee dishonesty bond protects your agency if a caregiver steals from a client or your business. Most referral sources and contracts in Alabama require it.
Does my agency need hired and non-owned auto coverage?
If your caregivers drive personal vehicles to client homes, your standard GL policy does not cover that exposure. Hired and non-owned auto fills that gap.