Insurance built for Kansas home health agencies
GL, professional liability, abuse & molestation, employee dishonesty bonds, and hired/non-owned auto — from brokers who know KDADS and KanCare 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.
KanCare managed care organizations have specific insurance requirements. Most Kansas agencies lack the abuse and molestation coverage required as a condition of KanCare 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 Kansas 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
Kansas requires workers' compensation for all employers with one or more employees. Home health agencies must maintain active coverage as a condition of KanCare 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 KDADS expects — so your policy always meets it
Kansas home health agencies are licensed through KDADS. Workers' compensation is required for all employers with one or more employees. Most referral sources and KanCare managed care contracts require at least $1M per occurrence in general liability coverage. Employee dishonesty bonds are required by most referral sources and managed care organizations.
Kansas Department for Aging and Disability Services (KDADS)
$1M per occurrence / $3M aggregate
400+ KDADS-licensed home health agencies statewide
Bond required by state
Area Agencies on Aging
- South Central Kansas AAA (Wichita)
- Johnson County AAA (Overland Park)
- Northeast Kansas AAA (Topeka)
- Northwest Kansas AAA
KanCare Managed Care Organizations
- Sunflower Health Plan (Centene)
- UnitedHealthcare Community Plan of Kansas
- Aetna Better Health of Kansas
Other
- Kansas Department for Children and Families
- KDADS HCBS Waiver Programs
Does Kansas require workers compensation for home health agencies?
Yes — Kansas requires workers compensation for all employers with one or more employees.
What insurance do KanCare contractors need?
Contracts require general liability of at least $1M per occurrence / $3M aggregate, professional liability, workers compensation, and an employee dishonesty bond.
Do Kansas home health agencies need abuse and molestation coverage?
Yes — required by most KanCare MCOs and referral sources.
What KDADS programs do home health agencies contract with?
KDADS administers Frail Elderly, Technology Assisted, and IDD waivers. We help agencies meet all KDADS contracting requirements.
Does my Kansas agency need hired and non-owned auto coverage?
If caregivers drive personal vehicles to client homes, your GL does not cover that exposure.