Insurance built for Ohio home health agencies
GL, professional liability, abuse & molestation, employee dishonesty bonds, and hired/non-owned auto — from brokers who know ODH and BWC 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.
Ohio operates a state workers compensation system through BWC — all home health agencies must be enrolled. ODH requires proof of active workers comp coverage as a condition of licensure renewal.
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 Ohio 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
Ohio requires workers' compensation for all employers through the state BWC system. ODH licensure requires proof of active workers' comp coverage. Home health agencies must maintain BWC enrollment as a condition of licensure.
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 ODH expects — so your policy always meets it
Ohio home health agencies are licensed through ODH. Workers' compensation is required for all employers — Ohio operates a state workers' compensation system through BWC (Bureau of Workers' Compensation). Most referral sources and Ohio Medicaid MyCare Ohio 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. Ohio requires agencies to file proof of insurance with ODH as part of the licensure process.
Ohio Department of Health (ODH)
$1M per occurrence / $3M aggregate
1,500+ ODH-licensed home health agencies statewide
Bond required by state
Area Agencies on Aging
- Western Reserve Area Agency on Aging (Cleveland)
- Council on Aging of Southwestern Ohio (Cincinnati)
- Franklin County Office on Aging (Columbus)
- Area Agency on Aging PSA 2 (Columbus region)
- Area Agency on Aging 3 (Akron)
MyCare Ohio Managed Care
- Aetna Better Health of Ohio
- Buckeye Health Plan (Centene)
- CareSource
- Molina Healthcare of Ohio
- UnitedHealthcare Community Plan of Ohio
Other
- Ohio DODD
- PASSPORT Waiver
- Ohio Home Care Waiver
Does Ohio require workers compensation for home health agencies?
Yes — Ohio requires workers compensation for all employers through the state BWC system. ODH licensure requires proof of active BWC coverage.
What is the Ohio BWC?
The Bureau of Workers Compensation is Ohio's state workers compensation fund. Most employers must purchase through BWC. We help home health agencies navigate BWC enrollment and classification.
Do Ohio home health agencies need abuse and molestation coverage?
Yes — MyCare Ohio MCOs and most DODD referral sources require it.
What is the PASSPORT Waiver?
Ohio's Medicaid HCBS waiver for elderly individuals. Agencies must maintain GL, professional liability, BWC workers compensation, and an employee dishonesty bond as a condition of participation.
Does my Ohio agency need hired and non-owned auto coverage?
If caregivers drive personal vehicles to client homes, your GL does not cover that exposure.