Insurance built for Arkansas home health agencies
GL, professional liability, abuse & molestation, employee dishonesty bonds, and hired/non-owned auto — from brokers who know ADH 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.
ADH requires a minimum GL limit for licensure, and most referral sources require more. Most Arkansas agencies are dangerously underinsured without abuse and molestation coverage.
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 Arkansas 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
Arkansas requires workers' compensation for employers with three or more employees. Most home health referral sources and managed care contracts require it regardless of headcount. We place coverage with carriers who understand the Arkansas 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 ADH expects — so your policy always meets it
Arkansas home health agencies are licensed by the Arkansas Department of Health. The state requires a minimum general liability limit for licensure, and most referral sources require at least $1M per occurrence. Workers' compensation is required for employers with three or more employees. Employee dishonesty bonds are commonly required by hospital referral sources and managed care organizations.
Arkansas Department of Health (ADH)
$1M per occurrence / $3M aggregate
600+ ADH-licensed home health agencies statewide
Bond required by state
Area Agencies on Aging
- Area Agency on Aging of Western Arkansas
- Arkansas River Valley AAA
- East Arkansas AAA
- Northwest Arkansas AAA
- South Arkansas AAA
Medicaid Managed Care (ARHOME)
- Centene / Arkansas Total Care
- UnitedHealthcare Community Plan of Arkansas
Other
- Arkansas Division of Aging and Adult Services
- Arkansas Developmental Disabilities Services
Does Arkansas require workers compensation for home health agencies?
Arkansas requires workers compensation for employers with three or more employees. Most managed care contracts require it regardless of size.
What GL limit does ADH require for licensure?
ADH requires a minimum GL limit for licensure, but most referral sources require at least $1M per occurrence / $3M aggregate.
Do Arkansas home health agencies need abuse and molestation coverage?
Yes — routinely excluded from standard GL policies. Most hospital referral sources and managed care organizations require it.
What is an employee dishonesty bond?
It protects your agency if a caregiver steals from a client. Most referral sources in Arkansas require it as a condition of contracting.
Does my agency need hired and non-owned auto coverage?
If caregivers drive personal vehicles to client homes, your GL does not cover that exposure.