Insurance built for Alaska home health agencies
GL, professional liability, abuse & molestation, employee dishonesty bonds, and hired/non-owned auto — from brokers who know ADOH 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.
Alaska requires workers compensation for all employers with one or more employees — one of the broadest mandates in the country. The wrong policy puts your ADOH 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 Alaska 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
Alaska requires workers' compensation for all employers with one or more employees — one of the broadest mandates in the country. We place coverage with carriers familiar with the Alaskan home health market.
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 ADOH expects — so your policy always meets it
Home health agencies in Alaska are licensed through the Alaska Department of Health. Workers' compensation is required for all employers with one or more employees. Most referral sources and managed care contracts require a minimum of $1M per occurrence general liability coverage. Employee dishonesty bonds are strongly recommended given the unsupervised nature of home health work.
Alaska Department of Health (ADOH)
$1M per occurrence / $3M aggregate
200+ licensed home health agencies statewide
Bond required by state
Area Agencies on Aging
- Anchorage Senior Activity Center AAA
- Fairbanks Senior Services AAA
- Southeast Senior Services (Juneau)
- Bristol Bay AAA
Medicaid
- Alaska Medicaid (fee-for-service)
- Denali KidCare
Other
- Alaska Commission on Aging
- Independent Living Centers of Alaska
Does Alaska require workers compensation for home health agencies?
Yes — Alaska requires workers compensation for all employers with one or more employees, one of the broadest mandates in the country.
What insurance does an ADOH-licensed home health agency need?
ADOH-licensed agencies need general liability, professional liability, and workers compensation at minimum. Most referral sources also require abuse and molestation coverage and an employee dishonesty bond.
Do Alaska home health agencies need abuse and molestation coverage?
Yes — this coverage is routinely excluded from standard GL policies and required by most referral sources.
What is the recommended GL limit for Alaska home health agencies?
Most referral sources require at least $1M per occurrence / $3M aggregate.
Does my agency need hired and non-owned auto coverage in Alaska?
If caregivers drive personal vehicles to client homes, your GL does not cover that exposure — especially important given Alaska's dispersed geography.