Insurance built for New York home health agencies
We help New York home health agencies get the right coverage — at the right price — without the runaround.
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 York home health agencies face unique compliance requirements. The wrong policy puts your license at risk.
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 York 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 York requires workers' compensation for all employers. NYSDOH licensure and MLTC program participation both include mandatory insurance verification. New York has some of the most complex home health insurance requirements in the country.
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 NYSDOH expects — so your policy always meets it
New York home health agencies are licensed through NYSDOH and face some of the most stringent insurance requirements in the country. A minimum of $1M per occurrence general liability is required by NYSDOH for licensure. Workers' compensation is required for all employers. Professional liability, abuse and molestation, and employee dishonesty coverage are required or strongly expected by most managed care organizations and referral sources. New York's MLTC program has specific insurance requirements that agencies must meet to participate.
New York State Department of Health (NYSDOH)
$1M per occurrence / $3M aggregate (NYSDOH requirement)
4,000+ NYSDOH-licensed home health agencies statewide
Bond required by state