Insurance built for Indiana home health agencies
GL, professional liability, abuse & molestation, employee dishonesty bonds, and hired/non-owned auto — from brokers who know ISDH and Indiana 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.
Indiana Medicaid managed care organizations require specific coverage minimums. Most Indiana agencies lack the abuse and molestation coverage required as a condition of contracting.
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 Indiana 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
Indiana requires workers' compensation for all employers with one or more employees. Home health agencies must maintain active coverage as a condition of contracting with managed care organizations.
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 ISDH expects — so your policy always meets it
Indiana home health agencies are licensed through ISDH. Workers' compensation is required for all employers with one or more employees. Most managed care and referral contracts require at least $1M per occurrence in general liability coverage. Employee dishonesty bonds are commonly required by referral sources and Indiana Medicaid managed care plans.
Indiana State Department of Health (ISDH)
$1M per occurrence / $3M aggregate
800+ ISDH-licensed home health agencies statewide
Bond required by state
Area Agencies on Aging
- CICOA Aging & In-Home Solutions (Indianapolis)
- Area 2 Agency on Aging (Fort Wayne)
- LifeStream Services (Muncie)
- SWIRCA & More (Evansville)
- REAL Services (South Bend)
Indiana Medicaid Managed Care
- Anthem Blue Cross Blue Shield of Indiana
- MDwise (Centene)
- UnitedHealthcare Community Plan of Indiana
- Molina Healthcare of Indiana
Other
- Indiana Division of Aging
- Indiana DDRS
- Indiana CHOICE Program
Does Indiana require workers compensation for home health agencies?
Yes — Indiana requires workers compensation for all employers with one or more employees.
What insurance do Indiana Medicaid contractors need?
Contracts require general liability of at least $1M per occurrence / $3M aggregate, professional liability, workers compensation, and an employee dishonesty bond.
Do Indiana home health agencies need abuse and molestation coverage?
Yes — required by most Indiana Medicaid MCOs and referral sources.
What is the Indiana CHOICE Program?
CHOICE provides home-based services for elderly and disabled Hoosiers. Participating agencies must maintain GL, professional liability, and workers compensation.
Does my Indiana agency need hired and non-owned auto coverage?
If caregivers drive personal vehicles to client homes, your GL does not cover that exposure.