Insurance built for Montana home health agencies
GL, professional liability, abuse & molestation, employee dishonesty bonds, and hired/non-owned auto — from brokers who know DPHHS and Montana 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.
Montana Medicaid requires specific coverage that standard policies miss. Most Montana agencies lack the abuse and molestation coverage required by referral sources.
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 Montana 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
Montana requires workers' compensation for all employers with one or more employees. Home health agencies serving Montana Medicaid members must maintain active coverage as a condition of enrollment.
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 DPHHS expects — so your policy always meets it
Montana home health agencies are licensed through DPHHS. Workers' compensation is required for all employers with one or more employees. Most referral sources and Montana Medicaid 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.
Montana Department of Public Health and Human Services (DPHHS)
$1M per occurrence / $3M aggregate
200+ DPHHS-licensed home health agencies statewide
Bond required by state
Area Agencies on Aging
- District VII Human Resources AAA (Billings)
- Human Resource Development Council AAA (Bozeman)
- Area IV Agency on Aging (Great Falls)
- Western Montana AAA (Missoula)
Montana Medicaid
- Montana Medicaid (largely fee-for-service)
- Passport to Health (HCBS)
Other
- Montana Developmental Services Division
- Big Sky Care Connect (HCBS waiver)
Does Montana require workers compensation for home health agencies?
Yes — Montana requires workers compensation for all employers with one or more employees.
What insurance do Montana home health agencies need?
DPHHS-licensed agencies need general liability of at least $1M per occurrence / $3M aggregate, professional liability, workers compensation, and an employee dishonesty bond.
Do Montana home health agencies need abuse and molestation coverage?
Yes — required by most Montana referral sources and Medicaid programs.
What is Big Sky Care Connect?
Montana's HCBS waiver program. Agencies must maintain GL, professional liability, workers compensation, and bonds.
Does my Montana agency need hired and non-owned auto coverage?
If caregivers drive personal vehicles to client homes across Montana's vast geography, your GL does not cover that exposure.