Insurance built for Michigan home health agencies
GL, professional liability, abuse & molestation, employee dishonesty bonds, and hired/non-owned auto — from brokers who know LARA and Michigan Medicaid 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.
Michigan Medicaid managed care organizations require specific coverage that standard policies miss. Most Michigan agencies lack the abuse and molestation coverage required by referral sources including the Detroit Area Agency on Aging.
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 Michigan 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
Michigan requires workers' compensation for employers with three or more employees. Most home health managed care contracts require it regardless of size. We place coverage with carriers experienced in the Michigan home health class code.
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 LARA expects — so your policy always meets it
Michigan home health agencies are licensed through LARA. Workers' compensation is required for all employers with three or more employees. Most referral sources and Medicaid managed care contracts require at least $1M per occurrence in general liability coverage. Employee dishonesty bonds are required by most referral sources and Michigan Medicaid managed care organizations.
Michigan Department of Licensing and Regulatory Affairs (LARA)
$1M per occurrence / $3M aggregate
1,200+ LARA-licensed home health agencies statewide
Bond required by state
Area Agencies on Aging
- Detroit Area Agency on Aging
- Area Agency on Aging 1-B (Southfield)
- Tri-County Office on Aging (Lansing)
- Area Agency on Aging of Western Michigan (Grand Rapids)
- Northeast Michigan Community Service Agency AAA
Michigan Medicaid Managed Care
- Blue Cross Complete of Michigan
- McLaren Health Plan Community
- Meridian Health Plan of Michigan
- Molina Healthcare of Michigan
- Priority Health Choice
- UnitedHealthcare Community Plan of Michigan
Other
- MI Choice Waiver Program
- MDHHS waiver programs
Does Michigan require workers compensation for home health agencies?
Michigan requires workers compensation for employers with three or more employees. Most managed care contracts require it regardless of size.
What insurance do Michigan Medicaid contractors need?
Contracts require general liability of at least $1M per occurrence / $3M aggregate, professional liability, workers compensation, and an employee dishonesty bond.
Do Michigan home health agencies need abuse and molestation coverage?
Yes — required by most Michigan Medicaid MCOs and referral sources including the Detroit Area Agency on Aging.
What is the MI Choice Waiver?
Michigan's Medicaid HCBS waiver for elderly and disabled adults. Agencies must maintain GL, professional liability, workers compensation, and an employee dishonesty bond.
Does my Michigan agency need hired and non-owned auto coverage?
If caregivers drive personal vehicles to client homes, your GL does not cover that exposure.