Insurance built for New Hampshire home health agencies
GL, professional liability, abuse & molestation, employee dishonesty bonds, and hired/non-owned auto — from brokers who know NH 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.
New Hampshire Medicaid managed care contracts require specific coverage that standard policies miss. NH has one of the oldest median-age populations in the country — compliance expectations are high.
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 New Hampshire 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
New Hampshire requires workers' compensation for all employers with one or more employees. Home health agencies serving NH 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 DHHS expects — so your policy always meets it
New Hampshire home health agencies are licensed through DHHS. Workers' compensation is required for all employers with one or more employees. Most referral sources and New Hampshire 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.
New Hampshire Department of Health and Human Services (DHHS)
$1M per occurrence / $3M aggregate
200+ DHHS-licensed home health agencies statewide
Bond required by state
Area Agencies on Aging
- Southern NH Services AAA (Manchester)
- Grafton County Senior Citizens Council AAA
- Strafford County CAP AAA
- Tri-County Community Action Program AAA
NH Medicaid Managed Care
- AmeriHealth Caritas New Hampshire
- UnitedHealthcare Community Plan of New Hampshire
- Wellsense Health Plan
Other
- NH Bureau of Elderly and Adult Services
- NH Bureau of Developmental Services
- ServiceLink Resource Centers
Does New Hampshire require workers compensation for home health agencies?
Yes — New Hampshire requires workers compensation for all employers with one or more employees.
What insurance do NH 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 New Hampshire home health agencies need abuse and molestation coverage?
Yes — required by most NH Medicaid MCOs and referral sources.
What is the ServiceLink Resource Center network?
ServiceLink centers provide information and referrals for long-term care services. Agencies working with ServiceLink clients must maintain appropriate insurance.
Does my New Hampshire agency need hired and non-owned auto coverage?
If caregivers drive personal vehicles to client homes, your GL does not cover that exposure.