Insurance built for Pennsylvania home health agencies
GL, professional liability, abuse & molestation, employee dishonesty bonds, and hired/non-owned auto — from brokers who know PA DOH and HealthChoices 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.
PA DOH licensure surveys include mandatory insurance verification and lapsed coverage results in license suspension. HealthChoices managed care contracts require coverage most generalist brokers never provide.
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 Pennsylvania 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
Pennsylvania requires workers' compensation for all employers. PA DOH licensure surveys include insurance verification and lapsed coverage can result in license suspension. HealthChoices managed care contracts require active workers' comp 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 PA DOH expects — so your policy always meets it
Pennsylvania home health agencies are licensed through PA DOH and are required to maintain general liability insurance as a condition of licensure. Workers' compensation is required for all employers. Most referral sources and Pennsylvania Medicaid HealthChoices managed care contracts require at least $1M per occurrence. Employee dishonesty bonds are required by most referral sources and managed care organizations. PA DOH conducts regular surveys that include mandatory insurance verification, and license suspension for lapsed coverage is common.
Pennsylvania Department of Health (PA DOH)
$1M per occurrence / $3M aggregate (PA DOH requirement)
2,500+ PA DOH-licensed home health agencies statewide
Bond required by state
Area Agencies on Aging
- Philadelphia Corporation for Aging
- Allegheny County AAA (Pittsburgh)
- Bucks County AAA
- Chester County Department of Aging Services
- Montgomery County Office of Aging
- Lancaster County Office of Aging
HealthChoices Managed Care Organizations
- Aetna Better Health of Pennsylvania
- AmeriHealth Caritas Pennsylvania
- Keystone First (Independence Blue Cross)
- Molina Healthcare of Pennsylvania
- UPMC for You
- UnitedHealthcare Community Plan of Pennsylvania
- WellCare of Pennsylvania
Other
- PA Office of Developmental Programs (ODP)
- PA LIFE Program
- PA Long-Term Living HCBS waivers
Does Pennsylvania require workers compensation for home health agencies?
Yes — Pennsylvania requires workers compensation for all employers. PA DOH surveys include insurance verification and lapsed coverage can result in license suspension.
What insurance does PA DOH require for home health licensure?
PA DOH requires general liability as a condition of licensure. HealthChoices contracts require at least $1M per occurrence / $3M aggregate plus professional liability, workers compensation, and an employee dishonesty bond.
Do Pennsylvania home health agencies need abuse and molestation coverage?
Yes — PA DOH and PA ODP explicitly require it for agencies serving individuals with intellectual disabilities.
What is the PA LIFE Program?
Pennsylvania's PACE-like program. Agencies contracting with LIFE organizations must meet the same insurance standards as Medicare/Medicaid certified agencies.
Does my Pennsylvania agency need hired and non-owned auto coverage?
If caregivers drive personal vehicles to client homes, your GL does not cover that exposure. HealthChoices contracts often require it.