Insurance built for Nebraska home health agencies
GL, professional liability, abuse & molestation, employee dishonesty bonds, and hired/non-owned auto — from brokers who know Nebraska DHHS and Nebraska 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.
Nebraska Medicaid managed care organizations require specific coverage that standard policies miss. Most Nebraska 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 Nebraska 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
Nebraska requires workers' compensation for all employers with one or more employees. Home health agencies contracting with Nebraska Medicaid 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 DHHS expects — so your policy always meets it
Nebraska home health agencies are licensed through DHHS. Workers' compensation is required for all employers with one or more employees. Most referral sources and Nebraska 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.
Nebraska Department of Health and Human Services (DHHS)
$1M per occurrence / $3M aggregate
300+ DHHS-licensed home health agencies statewide
Bond required by state
Area Agencies on Aging
- Eastern Nebraska Office on Aging (Omaha)
- Southeast Nebraska AAA (Lincoln)
- Aging Partners (Lincoln)
Nebraska Medicaid Managed Care
- Nebraska Total Care (Centene)
- UnitedHealthcare Community Plan of Nebraska
Other
- Nebraska Developmental Disabilities
- HCBS Medicaid waiver programs
Does Nebraska require workers compensation for home health agencies?
Yes — Nebraska requires workers compensation for all employers with one or more employees.
What insurance do Nebraska 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 Nebraska home health agencies need abuse and molestation coverage?
Yes — required by most Nebraska Medicaid MCOs and referral sources.
What HCBS waiver programs operate in Nebraska?
Nebraska operates Aged and Disabled and Brain Injury waivers. We help agencies meet all waiver contracting requirements.
Does my Nebraska agency need hired and non-owned auto coverage?
If caregivers drive personal vehicles to client homes, your GL does not cover that exposure.