Insurance built for Nevada home health agencies
GL, professional liability, abuse & molestation, employee dishonesty bonds, and hired/non-owned auto — from brokers who know Nevada DHHS 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.
Nevada operates a state-regulated workers compensation system — all agencies must comply. Nevada Medicaid managed care contracts require specific coverage that most generalist brokers miss.
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 Nevada 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
Nevada requires workers' compensation for all employers with one or more employees through the state-regulated system. Home health agencies must maintain active coverage as a condition of licensure and managed care contracting.
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
Nevada home health agencies are licensed through DHHS. Workers' compensation is required for all employers with one or more employees — Nevada operates a state-regulated workers' compensation system. Most referral sources and Nevada 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 plans.
Nevada Department of Health and Human Services (DHHS)
$1M per occurrence / $3M aggregate
600+ DHHS-licensed home health agencies statewide
Bond required by state
Area Agencies on Aging
- Aging and Disability Services Division (Southern Nevada)
- Nevada Aging and Disability Services (Reno)
- Rural Region AAA
Nevada Medicaid Managed Care
- Anthem Blue Cross Blue Shield of Nevada
- Health Plan of Nevada (UnitedHealth)
- Molina Healthcare of Nevada
- SilverSummit Healthplan (Centene)
Other
- Nevada Aging and Disability Services Division
- HCBS waiver programs
Does Nevada require workers compensation for home health agencies?
Yes — Nevada requires workers compensation for all employers through the state-regulated system.
What insurance do Nevada 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 Nevada home health agencies need abuse and molestation coverage?
Yes — required by most Nevada Medicaid MCOs and referral sources.
What is Nevada's state workers compensation system?
Nevada regulates workers compensation through the state and allows private carriers to write coverage. We work with carriers approved for Nevada home health.
Does my Nevada agency need hired and non-owned auto coverage?
If caregivers drive personal vehicles to client homes, your GL does not cover that exposure.