Insurance built for Connecticut home health agencies
We help Connecticut 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.
Connecticut 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 Connecticut 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
Connecticut requires workers' compensation for all employers. Home health agencies are subject to regular DPH audits that include verification of active insurance 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 CT DPH expects — so your policy always meets it
Connecticut home health agencies must be licensed through CT DPH and are required to maintain general liability insurance. Most managed care contracts and referral networks require a minimum of $1M per occurrence. Workers' compensation is required for all employers. Employee dishonesty bonds are commonly required by referral sources and managed care organizations.
Connecticut Department of Public Health (CT DPH)
$1M per occurrence / $3M aggregate
700+ CT DPH-licensed home health agencies statewide
Bond required by state