Insurance built for District of Columbia home health agencies
GL, professional liability, abuse & molestation, employee dishonesty bonds, and hired/non-owned auto — from brokers who know DC Health and DC Healthy Families 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.
DC Health conducts regular surveys that include mandatory insurance verification. DC has some of the most stringent home health insurance requirements on the East Coast.
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 District of Columbia 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
DC requires workers' compensation for all employers with one or more employees. DC Healthy Families managed care contracts require active coverage as a condition of enrollment. DC has some of the most stringent home health insurance requirements on the East Coast.
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 DC Health expects — so your policy always meets it
Home health agencies in the District of Columbia are licensed through DC Health and are required to maintain general liability insurance as a condition of licensure. Workers' compensation is required for all employers with one or more employees. Most referral sources and DC Healthy Families managed care contracts require at least $1M per occurrence. Employee dishonesty bonds are required by most referral sources and managed care organizations. DC Health conducts regular surveys that include mandatory insurance verification.
DC Health (Department of Health)
$1M per occurrence / $3M aggregate (DC Health requirement)
300+ DC Health-licensed home health agencies in the District
Bond required by state
DC Office on Aging (DCOA)
- Ward-level Senior Wellness Centers
- DCOA contracted home care providers
DC Healthy Families Managed Care Organizations
- AmeriHealth Caritas District of Columbia
- MedStar Family Choice DC
- UnitedHealthcare Community Plan of DC
Other
- DC Department on Disability Services (DDS)
- DC Home and Community-Based Waiver (HCBW)
- MedStar Washington Hospital Center
- Children's National Health System
Does DC require workers compensation for home health agencies?
Yes — DC requires workers compensation for all employers with one or more employees.
What insurance does DC Health require for home health licensure?
DC Health requires general liability as a condition of licensure. Most DC Healthy Families contracts require at least $1M per occurrence / $3M aggregate plus professional liability, workers compensation, and an employee dishonesty bond.
Do DC home health agencies need abuse and molestation coverage?
Yes — DC Health and most DC Healthy Families MCOs require it. DC enforcement is strict.
What is the DC Home and Community-Based Waiver?
DC's HCBW provides Medicaid-funded home care for elderly and disabled residents. Agencies must maintain GL, professional liability, workers compensation, abuse and molestation, and bonds.
Does my DC agency need hired and non-owned auto coverage?
If caregivers drive personal vehicles to client homes, your GL does not cover that exposure.