Insurance built for New Mexico home health agencies
GL, professional liability, abuse & molestation, employee dishonesty bonds, and hired/non-owned auto — from brokers who know NMDOH and Centennial Care 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.
Centennial Care managed care contracts require specific coverage that standard policies miss. Agencies serving tribal communities may face additional insurance requirements that most brokers don't understand.
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 Mexico 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 Mexico requires workers' compensation for employers with three or more employees. Most Centennial Care managed care contracts require it regardless of size. We work with carriers experienced in the New Mexico home health market.
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 NMDOH expects — so your policy always meets it
New Mexico home health agencies are licensed through NMDOH. Workers' compensation is required for all employers with three or more employees. Most referral sources and New Mexico Medicaid Centennial Care 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. Agencies serving tribal communities may face additional insurance requirements.
New Mexico Department of Health (NMDOH)
$1M per occurrence / $3M aggregate
400+ NMDOH-licensed home health agencies statewide
Bond required by state
Area Agencies on Aging
- Albuquerque/Bernalillo County AAA
- Eastern New Mexico AAA (Roswell)
- Mesilla Valley Community of Hope AAA (Las Cruces)
- Northern New Mexico AAA (Santa Fe)
Centennial Care Managed Care Organizations
- Blue Cross Blue Shield of New Mexico
- Molina Healthcare of New Mexico
- Presbyterian Centennial Care
- UnitedHealthcare Community Plan of New Mexico
Other
- New Mexico Developmental Disabilities Supports Division
- Mi Via Self-Directed Waiver Program
Does New Mexico require workers compensation for home health agencies?
New Mexico requires workers compensation for employers with three or more employees. Most Centennial Care contracts require it regardless of size.
What insurance do Centennial Care 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 Mexico home health agencies need abuse and molestation coverage?
Yes — required by most Centennial Care MCOs and referral sources.
What are the insurance requirements for agencies serving tribal communities?
Agencies contracting with tribal programs may face additional insurance requirements beyond state standards. We work with carriers who have experience with tribal community coverage in New Mexico.
Does my New Mexico agency need hired and non-owned auto coverage?
If caregivers drive personal vehicles to client homes, your GL does not cover that exposure.