Insurance built for Oregon home health agencies
GL, professional liability, abuse & molestation, employee dishonesty bonds, and hired/non-owned auto — from brokers who know OHA and Oregon Health Plan 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.
Oregon Health Plan coordinated care contracts require specific coverage that standard policies miss. Oregon has specific caregiver background check and training requirements that affect insurance underwriting.
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 Oregon 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
Oregon requires workers' compensation for all employers with one or more employees. Oregon Health Plan coordinated care contracts require active coverage as a condition of enrollment.
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 OHA expects — so your policy always meets it
Oregon home health agencies are licensed through OHA. Workers' compensation is required for all employers with one or more employees. Most referral sources and Oregon Health Plan coordinated care contracts require at least $1M per occurrence in general liability coverage. Employee dishonesty bonds are required by most referral sources and coordinated care organizations. Oregon has specific requirements around caregiver background checks and training that affect insurance underwriting.
Oregon Health Authority (OHA)
$1M per occurrence / $3M aggregate
700+ OHA-licensed home health agencies statewide
Bond required by state
Area Agencies on Aging
- Multnomah County Aging, Disability & Veterans Services (Portland)
- Marion County AAA (Salem)
- Lane County AAA (Eugene)
- Clackamas County Social Services
Oregon Health Plan CCOs
- AllCare Health (Southern Oregon)
- CareOregon (Portland metro)
- Eastern Oregon CCO
- Health Share of Oregon
- PacificSource Community Solutions
- Umpqua Health Alliance
Other
- Oregon DHS Aging and People with Disabilities
- Oregon Developmental Disabilities
Does Oregon require workers compensation for home health agencies?
Yes — Oregon requires workers compensation for all employers with one or more employees.
What insurance do Oregon Health Plan CCO contractors need?
OHP CCO contracts require general liability of at least $1M per occurrence / $3M aggregate, professional liability, workers compensation, and an employee dishonesty bond.
Do Oregon home health agencies need abuse and molestation coverage?
Yes — required by most OHP CCOs and referral sources.
How do Oregon's caregiver background check requirements affect insurance?
Oregon's background check and training requirements affect how carriers underwrite home health policies. We work with carriers who understand Oregon's caregiver registry requirements.
Does my Oregon agency need hired and non-owned auto coverage?
If caregivers drive personal vehicles to client homes, your GL does not cover that exposure.