Insurance built for North Carolina home health agencies
GL, professional liability, abuse & molestation, employee dishonesty bonds, and hired/non-owned auto — from brokers who know DHSR and NC Medicaid 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.
NC Medicaid Managed Care has specific requirements that standard policies miss. DHSR conducts regular surveys that include insurance verification — gaps can trigger license action.
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 North Carolina 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
North Carolina requires workers' compensation for employers with three or more employees. Most NC Medicaid managed care contracts require it regardless of size. We place coverage with carriers who know the North Carolina home health class code.
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 DHSR expects — so your policy always meets it
North Carolina home health agencies are licensed through DHSR. Workers' compensation is required for all employers with three or more employees. Most referral sources and NC 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. DHSR conducts regular surveys that include insurance verification.
North Carolina Division of Health Service Regulation (DHSR)
$1M per occurrence / $3M aggregate
1,200+ DHSR-licensed home health agencies statewide
Bond required by state
Area Agencies on Aging
- Centralina Area Agency on Aging (Charlotte)
- Triangle J Area Agency on Aging (Raleigh)
- Piedmont Triad Regional Council AAA (Greensboro)
- Cape Fear Council AAA (Wilmington)
NC Medicaid Managed Care Organizations
- Aetna Better Health of North Carolina
- AmeriHealth Caritas NC
- Healthy Blue NC (BCBS)
- Molina Healthcare of North Carolina
- UnitedHealthcare Community Plan of NC
Other
- NC Division of Mental Health and Developmental Disabilities
- Innovations Waiver (developmental disabilities)
Does North Carolina require workers compensation for home health agencies?
North Carolina requires workers compensation for employers with three or more employees. Most NC Medicaid contracts require it regardless of size.
What insurance do NC Medicaid Managed 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 North Carolina home health agencies need abuse and molestation coverage?
Yes — required by most NC Medicaid MCOs and the Innovations Waiver program.
What is the NC Innovations Waiver?
Provides home-based services for people with intellectual and developmental disabilities. Agencies must maintain GL, professional liability, workers compensation, abuse and molestation, and an employee dishonesty bond.
Does my North Carolina agency need hired and non-owned auto coverage?
If caregivers drive personal vehicles to client homes, your GL does not cover that exposure.