Insurance built for Maine home health agencies
GL, professional liability, abuse & molestation, employee dishonesty bonds, and hired/non-owned auto — from brokers who know Maine DHHS and MaineCare 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.
MaineCare managed care contracts require specific coverage that standard policies miss. Maine has one of the oldest median-age populations in the US — home health compliance is taken seriously.
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 Maine 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
Maine requires workers' compensation for all employers with one or more employees. Home health agencies serving MaineCare members must maintain active coverage as a condition of enrollment.
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 DHHS expects — so your policy always meets it
Maine home health agencies are licensed through DHHS. Workers' compensation is required for all employers with one or more employees. Most referral sources and MaineCare 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.
Maine Department of Health and Human Services (DHHS)
$1M per occurrence / $3M aggregate
300+ DHHS-licensed home health agencies statewide
Bond required by state
Area Agencies on Aging
- Aroostook Area Agency on Aging
- Eastern Area Agency on Aging (Bangor)
- Kennebec Valley CAP AAA
- Southern Maine AAA (Portland)
- Western Maine AAA
MaineCare
- MaineCare Services (largely fee-for-service)
- WellSense Health Plan
Other
- Maine Developmental Services
- Alpha One (independent living)
Does Maine require workers compensation for home health agencies?
Yes — Maine requires workers compensation for all employers with one or more employees.
What insurance do MaineCare contractors need?
Contracts require general liability of at least $1M per occurrence / $3M aggregate, professional liability, workers compensation, and an employee dishonesty bond.
Do Maine home health agencies need abuse and molestation coverage?
Yes — required by most Maine referral sources and managed care organizations.
What are the insurance requirements for Maine home health licensure?
Maine DHHS requires general liability insurance as a condition of licensure. Most referral sources set the standard at $1M per occurrence / $3M aggregate.
Does my Maine agency need hired and non-owned auto coverage?
If caregivers drive personal vehicles to client homes, your GL does not cover that exposure.