Insurance built for Connecticut home health agencies
GL, professional liability, abuse & molestation, employee dishonesty bonds, and hired/non-owned auto — from brokers who know CT DPH 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.
CT DPH conducts regular audits that include insurance verification. Lapsed or inadequate coverage can trigger license action in one of the most regulated home health markets in the Northeast.
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
Area Agencies on Aging
- Western Connecticut AAA (Waterbury)
- South Central Connecticut AAA (New Haven)
- Eastern Connecticut AAA (Norwich)
- North Central Connecticut AAA (Hartford)
HUSKY Health Managed Care
- Anthem Blue Cross Blue Shield of Connecticut
- Aetna Better Health of Connecticut
- UnitedHealthcare Community Plan of Connecticut
- Molina Healthcare of Connecticut
Other
- Connecticut Home Care Program for Elders (CHCPE)
- Department of Developmental Services (DDS)
Does Connecticut require workers compensation for home health agencies?
Yes — Connecticut requires workers compensation for all employers. CT DPH audits include verification of active coverage.
What insurance does CT DPH require for home health licensure?
CT DPH requires general liability insurance as a condition of licensure. Most referral sources and HUSKY Health contracts require at least $1M per occurrence / $3M aggregate.
Do Connecticut home health agencies need abuse and molestation coverage?
Yes — routinely excluded from standard GL policies. CT DPH and most MCOs expect this coverage for agencies serving vulnerable adults.
What is the CHCPE and what insurance does it require?
Connecticut Home Care Program for Elders funds home health services for elderly residents. Contracting agencies must maintain GL, professional liability, workers compensation, and an employee dishonesty bond.
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.