Insurance built for Illinois home health agencies
GL, professional liability, abuse & molestation, employee dishonesty bonds, and hired/non-owned auto — from brokers who know IDPH and Illinois Medicaid 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.
Illinois has separate licensing requirements for home services agencies that differ from Medicare-certified agencies. Most generalist brokers don't understand the difference, leaving your license at risk.
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 Illinois 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
Illinois requires workers' compensation for all employers with one or more employees. Home health agencies are subject to strict IDPH oversight and must maintain active coverage as a condition of licensure.
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 IDPH expects — so your policy always meets it
Illinois home health agencies are licensed through IDPH. 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 Illinois Medicaid managed care organizations. Illinois has specific licensing requirements for home services agencies that differ from Medicare-certified agencies.
Illinois Department of Public Health (IDPH)
$1M per occurrence / $3M aggregate
2,000+ IDPH-licensed home health agencies statewide
Bond required by state
Area Agencies on Aging
- Chicago Department of Family and Support Services AAA
- AgeOptions (suburban Cook County)
- DuPage County AAA
- Lake County Council on Aging
- Central Illinois Agency on Aging
Illinois Medicaid Managed Care
- Centene / IlliniCare Health
- Molina Healthcare of Illinois
- UnitedHealthcare Community Plan of Illinois
- Aetna Better Health of Illinois
- Blue Cross Community Health Plans
Other
- Illinois Department on Aging Community Care Program
- DHS Division of Developmental Disabilities
What is the difference between a home health agency and a home services agency in Illinois?
Illinois licenses home health agencies (medical) and home services agencies (non-medical) separately. Insurance requirements differ — we ensure your coverage matches your specific license.
Does Illinois require workers compensation for home health agencies?
Yes — Illinois requires workers compensation for all employers with one or more employees.
Do Illinois home health agencies need abuse and molestation coverage?
Yes — Illinois Medicaid MCOs and most referral sources require it for agencies serving vulnerable adults.
What insurance does the Illinois Community Care Program require?
The Community Care Program requires general liability, professional liability, workers compensation, and an employee dishonesty bond.
Does my Illinois agency need hired and non-owned auto coverage?
If caregivers drive personal vehicles to client homes, your GL does not cover that exposure.