Insurance built for Idaho home health agencies
GL, professional liability, abuse & molestation, employee dishonesty bonds, and hired/non-owned auto — from brokers who know IDHW 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.
Idaho Medicaid managed care organizations require specific coverage that standard policies miss. Most Idaho agencies 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 Idaho 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
Idaho requires workers' compensation for all employers with one or more employees. Home health agencies must maintain active coverage as a condition of 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 IDHW expects — so your policy always meets it
Idaho home health agencies are licensed through IDHW. Workers' compensation is required for all employers with one or more employees. Most referral sources and managed care contracts require at least $1M per occurrence in general liability coverage. Employee dishonesty bonds are required by most referral sources and Idaho Medicaid managed care organizations.
Idaho Department of Health and Welfare (IDHW)
$1M per occurrence / $3M aggregate
300+ IDHW-licensed home health agencies statewide
Bond required by state
Area Agencies on Aging
- Area Agency on Aging Southwest Idaho (Boise)
- Area Agency on Aging Southeast Idaho
- Agency on Aging of South Central Idaho
- North Idaho Agency on Aging
Idaho Medicaid Managed Care
- Centene / Idaho Medicaid
- Molina Healthcare of Idaho
- PacificSource Community Solutions
Other
- Idaho Commission on Aging
- Idaho Division of Developmental Disabilities
Does Idaho require workers compensation for home health agencies?
Yes — Idaho requires workers compensation for all employers with one or more employees.
What insurance do Idaho home health agencies need?
IDHW-licensed agencies need general liability, professional liability, workers compensation, and an employee dishonesty bond. Most referral sources require at least $1M per occurrence / $3M aggregate.
Do Idaho home health agencies need abuse and molestation coverage?
Yes — required by most Idaho Medicaid managed care organizations and referral sources.
What Idaho Medicaid programs do home health agencies contract with?
Idaho contracts with Centene, Molina, and PacificSource for most home health services. We help agencies get coverage that meets all three MCO requirements.
Does my agency need hired and non-owned auto coverage in Idaho?
If caregivers drive personal vehicles to client homes, your GL does not cover that exposure.