Insurance built for Louisiana home health agencies
GL, professional liability, abuse & molestation, employee dishonesty bonds, and hired/non-owned auto — from brokers who know LDH 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.
LDH conducts regular audits and requires agencies to maintain current certificates of insurance on file. Gaps in coverage — especially missing abuse and molestation — can trigger immediate license action.
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 Louisiana 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
Louisiana requires workers' compensation for all employers with one or more employees. LDH audits include verification of active workers' comp and general liability coverage. We place coverage with carriers who know the Louisiana home health market.
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 LDH expects — so your policy always meets it
Louisiana home health agencies licensed through LDH are required to maintain general liability insurance. Most referral sources and Medicaid managed care contracts require at least $1M per occurrence. Workers' compensation is required for all employers with one or more employees. Employee dishonesty bonds are required by most referral sources and Louisiana Medicaid managed care plans. LDH conducts regular audits and requires agencies to maintain current certificates of insurance on file.
Louisiana Department of Health (LDH)
$1M per occurrence / $3M aggregate
1,000+ LDH-licensed home health agencies statewide
Bond required by state
Area Agencies on Aging
- Capital Area Agency on Aging (Baton Rouge)
- Cajun Area Agency on Aging
- Greater New Orleans AAA
- Northwest Louisiana AAA (Shreveport)
- South Central Louisiana AAA
Healthy Louisiana Managed Care
- Aetna Better Health of Louisiana
- AmeriHealth Caritas Louisiana
- Healthy Blue (BCBS Louisiana)
- Humana
- UnitedHealthcare Community Plan of Louisiana
Other
- Louisiana OCDD
- New Opportunities Waiver (NOW) Program
Does Louisiana require workers compensation for home health agencies?
Yes — Louisiana requires workers compensation for all employers with one or more employees. LDH audits include verification of active coverage.
What insurance do Healthy Louisiana contractors need?
Contracts require general liability of at least $1M per occurrence / $3M aggregate, professional liability, workers compensation, and an employee dishonesty bond.
Do Louisiana home health agencies need abuse and molestation coverage?
Yes — LDH and most Healthy Louisiana MCOs require it. Its absence is a common finding in LDH audits.
What is the NOW Program?
The New Opportunities Waiver provides home-based services for people with developmental disabilities. Participating agencies must maintain GL, professional liability, workers compensation, and an employee dishonesty bond.
Does my Louisiana agency need hired and non-owned auto coverage?
If caregivers drive personal vehicles to client homes, your GL does not cover that exposure.