Insurance built for Iowa home health agencies
GL, professional liability, abuse & molestation, employee dishonesty bonds, and hired/non-owned auto — from brokers who know DIAL and Iowa 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.
Iowa Medicaid managed care organizations require specific coverage that standard policies miss. Most Iowa agencies lack the abuse and molestation coverage required by their 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 Iowa 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
Iowa 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 DIAL expects — so your policy always meets it
Iowa home health agencies are licensed through DIAL. Workers' compensation is required for all employers with one or more employees. Most referral sources and Iowa Medicaid managed care contracts require at least $1M per occurrence in general liability coverage. Employee dishonesty bonds are required by most referral networks and managed care plans.
Iowa Department of Inspections, Appeals, and Licensing (DIAL)
$1M per occurrence / $3M aggregate
400+ DIAL-licensed home health agencies statewide
Bond required by state
Area Agencies on Aging
- Aging Resources of Central Iowa (Des Moines)
- Heritage Area Agency on Aging (Cedar Rapids)
- SIMPCO Area Agency on Aging (Sioux City)
- East Central Iowa COG AAA
Iowa Medicaid Managed Care
- Iowa Total Care (Centene)
- Amerigroup Iowa (Anthem)
- UnitedHealthcare Community Plan of Iowa
Other
- Iowa Department on Aging
- Iowa HCBS Waiver Programs
Does Iowa require workers compensation for home health agencies?
Yes — Iowa requires workers compensation for all employers with one or more employees.
What insurance do Iowa 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 Iowa home health agencies need abuse and molestation coverage?
Yes — required by most Iowa Medicaid MCOs and referral sources.
What are Iowa's HCBS waivers?
Iowa operates Elderly Waiver and Intellectual Disability Waiver programs. Agencies serving waiver clients must maintain GL, professional liability, workers compensation, and bonds.
Does my Iowa agency need hired and non-owned auto coverage?
If caregivers drive personal vehicles to client homes, your GL does not cover that exposure.