Insurance built for Oklahoma home health agencies
GL, professional liability, abuse & molestation, employee dishonesty bonds, and hired/non-owned auto — from brokers who know OSDH and SoonerCare 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.
SoonerCare managed care contracts require specific coverage that standard policies miss. Most Oklahoma agencies lack the abuse and molestation coverage required as a condition of contracting.
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 Oklahoma 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
Oklahoma requires workers' compensation for all employers with one or more employees. SoonerCare managed care contracts require active coverage as a condition of enrollment. We work with carriers familiar with the Oklahoma home health market.
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 OSDH expects — so your policy always meets it
Oklahoma home health agencies are licensed through OSDH. Workers' compensation is required for all employers with one or more employees. Most referral sources and SoonerCare 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. OSDH conducts regular surveys that include insurance verification.
Oklahoma State Department of Health (OSDH)
$1M per occurrence / $3M aggregate
600+ OSDH-licensed home health agencies statewide
Bond required by state
Area Agencies on Aging
- Indian Nations Council of Governments AAA (Tulsa)
- Areawide Aging Agency (Oklahoma City)
- Eastern Oklahoma Development District AAA
- Western Oklahoma AAA
SoonerCare Managed Care Organizations
- Oklahoma Complete Health (Centene)
- UnitedHealthcare Community Plan of Oklahoma
Other
- Oklahoma DHS Aging Services
- ADvantage Waiver Program
Does Oklahoma require workers compensation for home health agencies?
Yes — Oklahoma requires workers compensation for all employers with one or more employees.
What insurance do SoonerCare contractors need?
Contracts require general liability of at least $1M per occurrence / $3M aggregate, professional liability, workers compensation, and an employee dishonesty bond.
Do Oklahoma home health agencies need abuse and molestation coverage?
Yes — required by most SoonerCare MCOs and referral sources.
What is the ADvantage Waiver?
Oklahoma's HCBS Medicaid waiver for elderly and disabled adults. Agencies must maintain GL, professional liability, workers compensation, and an employee dishonesty bond.
Does my Oklahoma agency need hired and non-owned auto coverage?
If caregivers drive personal vehicles to client homes, your GL does not cover that exposure.