Insurance built for Minnesota home health agencies
GL, professional liability, abuse & molestation, employee dishonesty bonds, and hired/non-owned auto — from brokers who know MDH and Minnesota Medical Assistance 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.
Minnesota's tiered home care licensing system means coverage requirements vary by agency type. Most generalist brokers don't understand the difference between basic and comprehensive home care licenses.
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 Minnesota 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
Minnesota requires workers' compensation for all employers with one or more employees. MDH home care licensure requirements include insurance verification. Minnesota's tiered licensing system means coverage requirements vary by agency type.
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
Minnesota home health agencies are licensed through MDH under a tiered home care licensure system. Workers' compensation is required for all employers with one or more employees. MDH requires agencies to maintain general liability and professional liability coverage. Most referral sources and Minnesota Medical Assistance managed care contracts require at least $1M per occurrence. Employee dishonesty bonds are required by most referral sources and managed care organizations.
Minnesota Department of Health (MDH)
$1M per occurrence / $3M aggregate (MDH requirement)
800+ MDH-licensed home health agencies statewide
Bond required by state
Area Agencies on Aging
- Metropolitan Area Agency on Aging (Twin Cities)
- Arrowhead Area Agency on Aging (Duluth)
- Central Minnesota Council on Aging (St. Cloud)
- Southeastern Minnesota AAA (Rochester)
Minnesota Medical Assistance Managed Care
- Blue Plus (BCBS Minnesota)
- HealthPartners
- Hennepin Health
- Medica
- UCare
Other
- CADI Waiver
- BI Waiver (Brain Injury)
- Minnesota DHS waiver programs
What is the difference between a basic and comprehensive home care license in Minnesota?
Minnesota licenses home care agencies at basic and comprehensive levels. The license type affects insurance requirements and managed care contracting eligibility. We ensure your coverage matches your license type.
Does Minnesota require workers compensation for home health agencies?
Yes — Minnesota requires workers compensation for all employers with one or more employees.
Do Minnesota home health agencies need abuse and molestation coverage?
Yes — required by most Minnesota Medical Assistance MCOs and referral sources.
What are the CADI and BI waivers in Minnesota?
CADI and BI waivers fund home-based services for specific populations. Agencies serving waiver clients must maintain GL, professional liability, workers compensation, and bonds.
Does my Minnesota agency need hired and non-owned auto coverage?
If caregivers drive personal vehicles to client homes, your GL does not cover that exposure.