Insurance built for Florida home health agencies
GL, professional liability, abuse & molestation, employee dishonesty bonds, and hired/non-owned auto — from brokers who know AHCA 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.
AHCA is one of the most aggressive regulators in the country — compliance errors result in rapid license suspension. Most Florida agencies are dangerously underinsured without abuse and molestation coverage.
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 Florida 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
Florida requires workers' compensation for all employers with four or more employees in most industries, but home health agencies are subject to specific classification rules. We place coverage with carriers who know the Florida home health class code and AHCA requirements.
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 AHCA expects — so your policy always meets it
Florida home health agencies licensed through AHCA are required to maintain a minimum of $300,000 per occurrence in general liability coverage, though most managed care and referral contracts require at least $1M per occurrence and $3M aggregate. Workers' compensation is required for all employers. Employee dishonesty bonds are required by most referral sources and are mandated by many Medicaid managed care plans. Florida is one of the most heavily regulated home health markets in the country — compliance errors can result in rapid license suspension.
Florida Agency for Health Care Administration (AHCA)
$300,000 per occurrence / $1M aggregate (AHCA minimum) — $1M/$3M recommended
5,000+ AHCA-licensed home health agencies statewide
Bond required by state
Area Agencies on Aging
- Alliance for Aging (Miami-Dade/Monroe)
- Area Agency on Aging for Southwest Florida
- Elder Options AAA (Gainesville)
- Aging & Disability Resource Center of Broward
- ElderSource (Northeast Florida)
- Senior Connection Center (Tampa Bay)
- Area Agency on Aging of Palm Beach/Treasure Coast
Statewide Medicaid Managed Care
- Sunshine Health (Centene)
- Molina Healthcare of Florida
- Simply Healthcare
- UnitedHealthcare Community Plan of Florida
- Humana Medical Plan
- Aetna Better Health of Florida
- Wellcare of Florida
Other
- Florida Agency for Persons with Disabilities (APD)
- iBudget Florida (Medicaid waiver)
- PACE organizations statewide
What GL minimum does AHCA require for home health licensure in Florida?
AHCA requires a minimum of $300,000 per occurrence. However, most managed care and referral contracts require at least $1M per occurrence / $3M aggregate. We always recommend the higher limits.
Does Florida require workers compensation for home health agencies?
Florida requires workers compensation for all employers. Home health agencies are subject to specific class code rules.
Do Florida home health agencies need abuse and molestation coverage?
Yes — AHCA is particularly aggressive about this. Most Florida Medicaid managed care plans require it explicitly.
What is iBudget Florida and what insurance does it require?
iBudget Florida is the state Medicaid waiver for people with developmental disabilities. Agencies must maintain GL, professional liability, workers compensation, and an employee dishonesty bond.
Does my Florida agency need hired and non-owned auto coverage?
Yes — if caregivers drive personal vehicles to client homes, your GL does not cover that exposure.