Insurance built for Michigan home health agencies
We help Michigan 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.
Michigan 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 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