Insurance built for Hawaii home health agencies
GL, professional liability, abuse & molestation, employee dishonesty bonds, and hired/non-owned auto — from brokers who know HDOH 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.
Hawaii operates a state workers compensation fund that all agencies must use. Failing to enroll is a licensure violation. Most agencies also lack the abuse and molestation coverage required by referral sources.
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 Hawaii 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
Hawaii requires workers' compensation for all employers through the state fund. Home health agencies must maintain active coverage as a condition of licensure and managed care 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 HDOH expects — so your policy always meets it
Hawaii home health agencies are licensed through HDOH. Workers' compensation is required for all employers with one or more employees — Hawaii operates a state workers' compensation fund that agencies must use. Most referral sources and managed care organizations require at least $1M per occurrence in general liability coverage. Employee dishonesty bonds are required by most referral sources and managed care plans operating in Hawaii.
Hawaii Department of Health (HDOH)
$1M per occurrence / $3M aggregate
300+ HDOH-licensed home health agencies statewide
Bond required by state
Area Agencies on Aging
- Oahu Committee on Aging
- Maui County Office on Aging
- Hawaii County Office on Aging
- Kauai Agency on Elderly Affairs
QUEST Integration Managed Care
- AlohaCare
- HMSA
- Kaiser Permanente Hawaii
- Ohana Health Plan (WellCare)
- UnitedHealthcare Community Plan of Hawaii
Other
- Hawaii Developmental Disabilities Division
- CARE Hawaii
Does Hawaii require workers compensation for home health agencies?
Yes — Hawaii requires workers compensation for all employers through the state fund. Home health agencies must be enrolled as a condition of licensure.
What insurance do QUEST Integration contractors need?
Contracts require general liability of at least $1M per occurrence / $3M aggregate, professional liability, workers compensation through the state fund, and an employee dishonesty bond.
Do Hawaii home health agencies need abuse and molestation coverage?
Yes — most QUEST MCOs and referral sources require it.
What is the Hawaii state workers compensation fund?
Hawaii operates a mandatory state workers compensation system. All employers must participate — private carriers are not permitted.
Does my Hawaii agency need hired and non-owned auto coverage?
If caregivers drive personal vehicles to client homes on any of Hawaii's islands, your GL does not cover that exposure.