Insurance built for Missouri home health agencies
GL, professional liability, abuse & molestation, employee dishonesty bonds, and hired/non-owned auto — from brokers who know DHSS and MO HealthNet 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.
MO HealthNet managed care contracts require specific coverage that standard policies miss. Most Missouri agencies lack the abuse and molestation coverage required as a condition of contracting.
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 Missouri 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
Missouri requires workers' compensation for employers with five or more employees. Most home health managed care and referral contracts require it regardless of size. We place coverage with carriers familiar with the Missouri home health market.
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 DHSS expects — so your policy always meets it
Missouri home health agencies are licensed through DHSS. Workers' compensation is required for all employers with five or more employees. Most referral sources and Missouri Medicaid MO HealthNet managed care contracts require at least $1M per occurrence in general liability coverage. Employee dishonesty bonds are required by most referral sources and managed care organizations.
Missouri Department of Health and Senior Services (DHSS)
$1M per occurrence / $3M aggregate
900+ DHSS-licensed home health agencies statewide
Bond required by state
Area Agencies on Aging
- Mid-America Regional Council AAA (Kansas City)
- St. Louis Area Agency on Aging
- Aging Best (Springfield)
- Central Missouri AAA (Columbia)
MO HealthNet Managed Care Organizations
- Centene / Home State Health Plan
- Molina Healthcare of Missouri
- UnitedHealthcare Community Plan of Missouri
Other
- Missouri Division of Senior and Disability Services
- Missouri Division of Developmental Disabilities
Does Missouri require workers compensation for home health agencies?
Missouri requires workers compensation for employers with five or more employees. Most MO HealthNet contracts require it regardless of size.
What insurance do MO HealthNet contractors need?
Contracts require general liability of at least $1M per occurrence / $3M aggregate, professional liability, workers compensation, and an employee dishonesty bond.
Do Missouri home health agencies need abuse and molestation coverage?
Yes — required by most MO HealthNet MCOs and referral sources.
What Missouri DHSS programs do home health agencies contract with?
DHSS administers home-based services through Medicaid waiver and state-funded programs. We help agencies meet all DHSS contracting requirements.
Does my Missouri agency need hired and non-owned auto coverage?
If caregivers drive personal vehicles to client homes, your GL does not cover that exposure.