Insurance built for New York home health agencies
GL, professional liability, abuse & molestation, employee dishonesty bonds, and hired/non-owned auto — from brokers who know NYSDOH and MLTC 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 York's MLTC program has specific insurance requirements that agencies must meet to participate. NYSDOH has some of the most stringent home health insurance requirements in the country.
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
Area Agencies on Aging
- NYC Department for the Aging (DFTA)
- Nassau County Office for the Aging
- Suffolk County Office for the Aging
- Monroe County AAA (Rochester)
- Erie County Department of Senior Services (Buffalo)
MLTC / Managed Care Organizations
- Aetna Better Health of New York
- Centers Plan for Healthy Living
- Elderplan / HomeFirst
- Fidelis Care New York
- HealthFirst PHSP
- Molina Healthcare of New York
- RiverSpring MLTC
- UnitedHealthcare Community Plan of New York
- VillageCareMAX
Other
- NY OPWDD
- CDPAP
- NY Medicaid Choice
What insurance does NYSDOH require for home health licensure?
NYSDOH requires a minimum of $1M per occurrence GL for licensure. Most MLTC contracts require $1M/$3M plus professional liability, workers compensation, abuse and molestation, and an employee dishonesty bond.
Does New York require workers compensation for home health agencies?
Yes — New York requires workers compensation for all employers. Both NYSDOH and MLTC require mandatory insurance verification.
What is the MLTC program?
Managed Long Term Care is New York's program for community-based long-term care. MLTC contracts are among the most comprehensive insurance requirements in the country.
Do New York home health agencies need abuse and molestation coverage?
Yes — NYSDOH and all MLTC plans require it explicitly. New York enforcement is strict.
What is CDPAP and what insurance requirements does it create?
CDPAP allows individuals to direct their own care. Agencies administering CDPAP must maintain GL, professional liability, workers compensation, and bonds with requirements that differ from traditional home health.