Insurance built for Massachusetts home health agencies
We help Massachusetts home health agencies get the right coverage — at the right price — without the runaround.
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 home health agencies face unique compliance requirements. The wrong policy puts your license at risk.
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