Insurance built for Massachusetts home health agencies
GL, professional liability, abuse & molestation, employee dishonesty bonds, and hired/non-owned auto — from brokers who know MDPH and MassHealth 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.
Massachusetts has some of the most stringent home health insurance requirements in the country. MassHealth enrollment requires active workers comp and MDPH surveys include mandatory insurance verification.
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 Massachusetts 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
Massachusetts requires workers' compensation for all employers. MassHealth enrollment requires active workers' comp coverage. Massachusetts has some of the most stringent home health insurance requirements in the country.
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 MDPH expects — so your policy always meets it
Massachusetts home health agencies are licensed through MDPH and are required to maintain general liability insurance with minimum limits set by regulation. Workers' compensation is required for all employers. Most referral sources and MassHealth managed care contracts require at least $1M per occurrence. Employee dishonesty bonds are required by most referral sources and managed care plans. MDPH conducts regular surveys and audits that include insurance verification.
Massachusetts Department of Public Health (MDPH)
$1M per occurrence / $3M aggregate (MDPH requirement)
1,500+ MDPH-licensed home health agencies statewide
Bond required by state
Elder Services Agencies
- Boston Age Strong Commission
- Elder Services of Cape Cod and the Islands
- Elder Services of Merrimack Valley
- Greater Springfield Senior Services
- Mystic Valley Elder Services (Medford)
- Old Colony Elder Services (Brockton)
MassHealth Managed Care Organizations
- Tufts Health Together
- Boston Medical Center HealthNet Plan
- Fallon Health
- Molina Healthcare of Massachusetts
- Wellsense Health Plan
Other
- Department of Developmental Services (DDS)
- PACE organizations statewide
Does Massachusetts require workers compensation for home health agencies?
Yes — Massachusetts requires workers compensation for all employers. MassHealth enrollment requires active coverage and MDPH surveys include mandatory insurance verification.
What insurance does MDPH require for home health licensure?
MDPH requires general liability with minimum limits set by regulation. Most referral sources and MassHealth contracts require at least $1M per occurrence / $3M aggregate.
Do Massachusetts home health agencies need abuse and molestation coverage?
Yes — MDPH and most MassHealth MCOs require it. Massachusetts has strict enforcement of this requirement.
What are Elder Services agencies in Massachusetts?
Regional home care corporations administering home care programs for elderly residents. Contracting requires GL, professional liability, workers compensation, and an employee dishonesty bond.
Does my Massachusetts agency need hired and non-owned auto coverage?
If caregivers drive personal vehicles to client homes, your GL does not cover that exposure.