Insurance built for Arizona home health agencies
GL, professional liability, abuse & molestation, employee dishonesty bonds, and hired/non-owned auto — from brokers who know ADHS and ALTCS 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.
ALTCS managed care organizations require specific insurance minimums that standard business policies don't meet. The wrong policy can disqualify your agency from contracting.
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
ALTCS Managed Care Organizations
- UnitedHealthcare Community Plan (Mercy Care)
- Banner University Family Care
- Health Choice Arizona
- Care1st Health Plan Arizona
Area Agencies on Aging
- Maricopa Association of Governments AAA
- Pima Council on Aging
- Western Arizona Council of Governments AAA
- Coconino County AAA
Other
- Arizona Division of Developmental Disabilities (DDD)
- AHCCCS
What insurance do ALTCS providers need in Arizona?
ALTCS contracts require general liability of at least $1M per occurrence / $3M aggregate, professional liability, workers compensation, and an employee dishonesty bond.
Does Arizona require workers compensation for home health agencies?
Yes — Arizona requires workers compensation for all employers. ALTCS agencies must carry it regardless of employee count.
Do Arizona home health agencies need abuse and molestation coverage?
Yes — ALTCS MCOs and most referral sources require it. This coverage is routinely excluded from standard GL policies.
What is the difference between ADHS licensure and ALTCS contracting requirements?
ADHS licenses your agency to operate. ALTCS contracting requires additional insurance minimums to receive Medicaid reimbursement.
Does my Arizona agency need hired and non-owned auto coverage?
Yes — if caregivers drive personal vehicles to client homes, your GL does not cover that exposure. ALTCS contracts often require it.