Insurance built for Arizona home health agencies
We help Arizona 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.
Arizona 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 Arizona 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
Arizona requires workers' compensation for all employers. Home health agencies contracting with ALTCS managed care organizations are typically required to carry it regardless of employee count. We work with carriers who know the AZ 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 ADHS expects — so your policy always meets it
Arizona home health agencies are licensed through the Arizona Department of Health Services. ADHS requires agencies to maintain general liability insurance, and most managed care and ALTCS contracts specify at least $1M per occurrence. Workers' compensation is required for all employers. Employee dishonesty bonds are required by most referral sources and Medicaid MCOs operating in the state.
Arizona Department of Health Services (ADHS)
$1M per occurrence / $3M aggregate
1,500+ ADHS-licensed home health agencies statewide
Bond required by state