Insurance built for North Dakota home health agencies
GL, professional liability, abuse & molestation, employee dishonesty bonds, and hired/non-owned auto — from brokers who know NDDHS and WSI 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.
North Dakota requires workers compensation for all employers through the exclusive WSI state fund — failure to enroll is a licensure violation. Standard policies rarely address this correctly.
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 Dakota 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 Dakota requires workers' compensation for all employers through the exclusive state fund (WSI). Home health agencies must be enrolled with WSI as a condition of licensure and managed care contracting.
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 NDDHS expects — so your policy always meets it
North Dakota home health agencies are licensed through NDDHS. Workers' compensation is required for all employers with one or more employees — North Dakota operates an exclusive state workers' compensation fund (WSI). Most referral sources and ND 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.
North Dakota Department of Health and Human Services (NDDHS)
$1M per occurrence / $3M aggregate
150+ NDDHS-licensed home health agencies statewide
Bond required by state
Area Agencies on Aging
- Lake Region AAA (Devils Lake)
- Souris Basin Planning Council AAA (Minot)
- Southeast ND AAA (Fargo)
- West Central Human Service Center AAA (Bismarck)
North Dakota Medicaid
- ND Medicaid (largely fee-for-service)
- Sanford Health Plan
Other
- ND Aging Services Division
- ND Developmental Disabilities Division
Does North Dakota require workers compensation for home health agencies?
Yes — North Dakota requires workers compensation for all employers through the exclusive WSI state fund. Private carriers are not permitted. Home health agencies must be enrolled with WSI as a condition of licensure.
What is WSI and how does a home health agency enroll?
WSI is North Dakota's exclusive state workers compensation fund. All employers must purchase through WSI. We help new agencies navigate the WSI enrollment process.
Do North Dakota home health agencies need abuse and molestation coverage?
Yes — required by most ND referral sources and managed care organizations.
What insurance do ND Medicaid contractors need?
Contracts require general liability of at least $1M per occurrence / $3M aggregate, professional liability, WSI workers compensation, and an employee dishonesty bond.
Does my North Dakota agency need hired and non-owned auto coverage?
If caregivers drive personal vehicles to client homes across North Dakota's rural geography, your GL does not cover that exposure.