Insurance built for California home health agencies
We help California 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.
California 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 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