Insurance built for Delaware home health agencies
GL, professional liability, abuse & molestation, employee dishonesty bonds, and hired/non-owned auto — from brokers who know Delaware 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.
Delaware managed care organizations require specific coverage that standard policies miss — especially abuse and molestation and employee dishonesty bonds required as a condition of 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 Delaware 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
Delaware requires workers' compensation for all employers. Home health agencies working with managed care organizations must maintain active coverage as a condition of contracting.
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 DPH expects — so your policy always meets it
Delaware home health agencies are licensed through the Division of Public Health. Workers' compensation is required for all employers with one or more employees. Most referral sources and managed care organizations require a minimum of $1M per occurrence general liability coverage and an employee dishonesty bond. Professional liability coverage is strongly recommended for skilled nursing and therapy services.
Delaware Division of Public Health (DPH)
$1M per occurrence / $3M aggregate
200+ DPH-licensed home health agencies statewide
Bond required by state
Area Agencies on Aging
- DSAAPD (Division of Services for Aging and Adults with Physical Disabilities)
Medicaid Managed Care (Diamond State Health Plan)
- Highmark Delaware
- Molina Healthcare of Delaware
- UnitedHealthcare Community Plan of Delaware
Other
- Division of Developmental Disabilities Services
- Christiana Care Health System
Does Delaware require workers compensation for home health agencies?
Yes — Delaware requires workers compensation for all employers with one or more employees.
What insurance do Delaware home health agencies need?
DPH requires GL insurance for licensure. Most referral sources and Diamond State Health Plan contracts require at least $1M per occurrence / $3M aggregate plus professional liability, workers compensation, and an employee dishonesty bond.
Do Delaware home health agencies need abuse and molestation coverage?
Yes — routinely excluded from standard GL policies and required by most referral sources and managed care organizations.
Is professional liability required for Delaware home health agencies?
Professional liability is required by most managed care contracts. It covers claims from care decisions, missed visits, or alleged negligent service delivery.
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.