Insurance built for Colorado home health agencies
GL, professional liability, abuse & molestation, employee dishonesty bonds, and hired/non-owned auto — from brokers who know CDPHE and Health First Colorado 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.
Health First Colorado managed care contracts require specific insurance minimums that standard business policies often miss. 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 Colorado 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
Colorado requires workers' compensation for all employers with one or more employees. Most home health managed care and referral contracts also require it. We work with carriers familiar with Colorado's home health class codes.
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 CDPHE expects — so your policy always meets it
Colorado home health agencies are licensed through CDPHE. While the state does not specify a minimum general liability limit for licensure, managed care and Medicaid contracts typically require at least $1M per occurrence. Workers' compensation is required for all employers. Employee dishonesty bonds are required by most referral sources and Health First Colorado managed care organizations.
Colorado Department of Public Health and Environment (CDPHE)
$1M per occurrence / $3M aggregate
800+ CDPHE-licensed home health agencies statewide
Bond required by state
Area Agencies on Aging
- Denver Regional Council of Governments AAA
- Boulder County AAA
- Larimer County Office on Aging
- El Paso County AAA (Colorado Springs)
Health First Colorado Managed Care
- Colorado Access
- Denver Health Medicaid Choice
- Anthem Blue Cross Blue Shield of Colorado
- Rocky Mountain Health Plans
Other
- Colorado Department of Health Care Policy & Financing
- Developmental Disabilities Resource Center
Does Colorado require workers compensation for home health agencies?
Yes — Colorado requires workers compensation for all employers with one or more employees.
What insurance do Health First Colorado contractors need?
Contracts typically require general liability of at least $1M per occurrence / $3M aggregate, professional liability, workers compensation, and an employee dishonesty bond.
Do Colorado home health agencies need abuse and molestation coverage?
Yes — Health First Colorado MCOs and most referral sources require it for agencies serving vulnerable adults.
What GL limit does CDPHE require for home health licensure?
CDPHE does not specify a minimum, but managed care and Medicaid contracts effectively set the standard at $1M per occurrence / $3M aggregate.
Does my agency need hired and non-owned auto coverage in Colorado?
If caregivers drive personal vehicles to client homes, your GL does not cover that exposure.