Insurance built for California home health agencies
GL, professional liability, abuse & molestation, employee dishonesty bonds, and hired/non-owned auto — from brokers who know CDPH and Regional Center 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.
California Regional Centers have some of the most complex insurance requirements in the country. Standard policies rarely meet all vendorization requirements, putting your contract 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 California 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
California requires workers' compensation for all employers with one or more employees. Home health agencies are subject to strict enforcement. CDPH audits often include verification of active workers' comp coverage.
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 CDPH expects — so your policy always meets it
California home health agencies licensed by CDPH are required to maintain general liability insurance with a minimum of $1M per occurrence. Workers' compensation is mandatory for all employers with one or more employees. Employee dishonesty bonds are required by most referral sources and Medi-Cal managed care plans. CDPH also requires professional liability coverage for skilled nursing agencies. Compliance with AB 5 and related labor laws adds additional complexity for agencies using contractor caregivers.
California Department of Public Health (CDPH)
$1M per occurrence / $3M aggregate (CDPH requirement)
5,000+ CDPH-licensed home health agencies statewide
Bond required by state
Regional Centers (DDS) — All 21
- Alta California Regional Center (Sacramento)
- Bay Area Regional Center (Oakland)
- Central Valley Regional Center (Fresno)
- Coastal Regional Center (Ventura)
- Desert/Mountain Regional Center (San Bernardino)
- Eastern Los Angeles Regional Center
- Far Northern Regional Center (Redding)
- Frank D. Lanterman Regional Center (Los Angeles)
- Golden Gate Regional Center (San Francisco)
- Harbor Regional Center (Torrance)
- Inland Regional Center (San Bernardino)
- Kern Regional Center (Bakersfield)
- North Bay Regional Center (Napa)
- North Los Angeles County Regional Center
- Redwood Coast Regional Center (Ukiah)
- San Andreas Regional Center (San Jose)
- San Diego Regional Center
- San Gabriel / Pomona Regional Center
- South Central Los Angeles Regional Center
- Tri-Counties Regional Center (Santa Barbara)
- Valley Mountain Regional Center (Stockton)
- Westside Regional Center (Culver City)
IHSS Programs
- Los Angeles County DPSS IHSS
- San Diego County HHSA IHSS
- Orange County IHSS
- Alameda County IHSS
- Sacramento County IHSS
Medi-Cal Managed Care
- Anthem Blue Cross (various counties)
- Health Net Community Solutions
- Molina Healthcare of California
- LA Care Health Plan
- CalOptima (Orange County)
- Inland Empire Health Plan
What insurance do California Regional Centers require for vendorization?
Regional Center vendorization requirements vary but typically require general liability of at least $1M per occurrence / $3M aggregate, professional liability, workers compensation, abuse and molestation, and an employee dishonesty bond. We specialize in placing coverage that meets Regional Center vendorization requirements.
Does California require workers compensation for home health agencies?
Yes — California requires workers compensation for all employers with one or more employees. CDPH audits include verification of active coverage.
What is IHSS and what insurance does it require?
IHSS is California's Medicaid-funded personal care program. Agencies contracting with county IHSS programs must maintain GL, professional liability, and workers compensation at minimum.
Do California home health agencies need abuse and molestation coverage?
Yes — especially important for Regional Center agencies. Many Regional Centers require it as a separate endorsement or standalone policy.
What does AB 5 mean for my home health agency's insurance?
AB 5 affects caregiver classification as employees vs. independent contractors. Reclassification creates workers compensation and GL exposure gaps. We work with carriers who understand the AB 5 landscape for home health agencies.