Insurance built for Kentucky home health agencies
GL, professional liability, abuse & molestation, employee dishonesty bonds, and hired/non-owned auto — from brokers who know CHFS and Kentucky 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.
Kentucky Medicaid managed care organizations require specific coverage that standard policies miss. Agencies serving rural Appalachian communities face unique risks requiring carriers with experience in the home health class code.
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 Kentucky 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
Kentucky requires workers' compensation for all employers with one or more employees. Home health agencies in rural markets face unique risks that require carriers with experience in the home health class code.
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 CHFS expects — so your policy always meets it
Kentucky home health agencies are licensed through CHFS. Workers' compensation is required for all employers with one or more employees. Most referral sources and Kentucky Medicaid 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.
Kentucky Cabinet for Health and Family Services (CHFS)
$1M per occurrence / $3M aggregate
700+ CHFS-licensed home health agencies statewide
Bond required by state
Area Agencies on Aging
- Barren River AAA (Bowling Green)
- Bluegrass AAA (Lexington)
- KIPDA AAA (Louisville)
- Lake Cumberland AAA
- Purchase AAA
Kentucky Medicaid Managed Care
- Aetna Better Health of Kentucky
- Anthem Blue Cross Blue Shield of Kentucky
- Humana CareSource
- Molina Healthcare of Kentucky
- UnitedHealthcare Community Plan of Kentucky
- WellCare of Kentucky
Other
- Kentucky HCBS Waivers
- Department for Behavioral Health and Developmental Disabilities
Does Kentucky require workers compensation for home health agencies?
Yes — Kentucky requires workers compensation for all employers with one or more employees.
What insurance do Kentucky 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 Kentucky home health agencies need abuse and molestation coverage?
Yes — required by most Kentucky Medicaid MCOs and referral sources.
What are the unique risks for home health agencies in rural Kentucky?
Agencies in Appalachian Kentucky face unique geographic and client population risks. We work with carriers who have experience in the home health class code for rural Kentucky markets.
Does my Kentucky agency need hired and non-owned auto coverage?
If caregivers drive personal vehicles to client homes across rural Kentucky, your GL does not cover that exposure.