Insurance built for New Jersey home health agencies
GL, professional liability, abuse & molestation, employee dishonesty bonds, and hired/non-owned auto — from brokers who know NJDOH and NJ FamilyCare 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.
NJDOH has some of the most rigorous home health licensure requirements in the Northeast. Licensure surveys include insurance verification and NJ FamilyCare contracts require coverage most generalist brokers never provide.
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 Jersey 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 Jersey requires workers' compensation for all employers with one or more employees. NJDOH licensure surveys include insurance verification. NJ FamilyCare managed care contracts require 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 NJDOH expects — so your policy always meets it
New Jersey home health agencies are licensed through NJDOH. Workers' compensation is required for all employers with one or more employees. NJDOH requires agencies to maintain general liability and professional liability coverage. Most referral sources and NJ FamilyCare managed care contracts require at least $1M per occurrence. Employee dishonesty bonds are required by most referral sources and managed care organizations. New Jersey has some of the most rigorous home health licensure requirements in the Northeast.
New Jersey Department of Health (NJDOH)
$1M per occurrence / $3M aggregate (NJDOH requirement)
1,500+ NJDOH-licensed home health agencies statewide
Bond required by state
Area Agencies on Aging
- Bergen County Division of Senior Services AAA
- Essex County Division of Senior Services AAA
- Middlesex County Office on Aging AAA
- Morris County Office on Aging AAA
- Somerset County Office on Aging AAA
NJ FamilyCare Managed Care Organizations
- Aetna Better Health of New Jersey
- AmeriHealth New Jersey
- Horizon Blue Cross Blue Shield NJ FamilyCare
- Molina Healthcare of New Jersey
- UnitedHealthcare Community Plan of New Jersey
- WellCare of New Jersey
Other
- NJ Division of Developmental Disabilities (DDD)
- NJ JACC Program
- NJ Personal Preference Program (PPP)
Does New Jersey require workers compensation for home health agencies?
Yes — New Jersey requires workers compensation for all employers with one or more employees.
What insurance does NJDOH require for home health licensure?
NJDOH requires general liability and professional liability as conditions of licensure. Most NJ FamilyCare contracts require at least $1M per occurrence / $3M aggregate plus workers compensation and an employee dishonesty bond.
Do New Jersey home health agencies need abuse and molestation coverage?
Yes — NJ DDD and most NJ FamilyCare MCOs explicitly require it.
What are the NJ DDD requirements?
NJ DDD requires GL, professional liability, workers compensation, abuse and molestation, and an employee dishonesty bond.
Does my New Jersey agency need hired and non-owned auto coverage?
If caregivers drive personal vehicles to client homes, your GL does not cover that exposure. NJ FamilyCare contracts often require it.