Insurance built for Maryland home health agencies
GL, professional liability, abuse & molestation, employee dishonesty bonds, and hired/non-owned auto — from brokers who know MDH and HealthChoice 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.
MDH requires agencies to maintain current certificates of insurance on file and conducts regular compliance audits. HealthChoice managed care contracts have specific requirements that most generalist brokers miss.
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 Maryland 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
Maryland requires workers' compensation for all employers with one or more employees. HealthChoice managed care contracts include insurance verification 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 MDH expects — so your policy always meets it
Maryland home health agencies are licensed through MDH. Workers' compensation is required for all employers with one or more employees. Most referral sources and Maryland Medicaid HealthChoice 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. MDH requires agencies to maintain certificates of insurance on file and conducts regular compliance audits.
Maryland Department of Health (MDH)
$1M per occurrence / $3M aggregate
1,000+ MDH-licensed home health agencies statewide
Bond required by state
Area Agencies on Aging
- Baltimore City Department of Aging
- Anne Arundel County AAA
- Montgomery County Aging Services
- Prince George's County AAA
- Baltimore County Department of Aging
HealthChoice Managed Care Organizations
- Aetna Better Health of Maryland
- Amerigroup Maryland
- MedStar Family Choice
- Priority Partners (Johns Hopkins)
- UnitedHealthcare Community Plan of Maryland
- University of Maryland Health Partners
Other
- Developmental Disabilities Administration (DDA)
- Maryland Community Options Program
Does Maryland require workers compensation for home health agencies?
Yes — Maryland requires workers compensation for all employers with one or more employees.
What insurance do HealthChoice contractors need?
Contracts require general liability of at least $1M per occurrence / $3M aggregate, professional liability, workers compensation, and an employee dishonesty bond.
Do Maryland home health agencies need abuse and molestation coverage?
Yes — MDH and most HealthChoice MCOs require it. Its absence is a common finding in MDH audits.
What is the Maryland DDA?
The Developmental Disabilities Administration funds home-based services. DDA-funded agencies must maintain GL, professional liability, workers compensation, and an employee dishonesty bond.
Does my Maryland agency need hired and non-owned auto coverage?
If caregivers drive personal vehicles to client homes, your GL does not cover that exposure.