Insurance built for Rhode Island home health agencies
GL, professional liability, abuse & molestation, employee dishonesty bonds, and hired/non-owned auto — from brokers who know RIDOH and RIte Care 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.
RIte Care managed care contracts require specific coverage that standard policies miss. Rhode Island is a small but highly regulated market — compliance gaps are quickly identified.
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 Rhode Island 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
Rhode Island requires workers' compensation for employers with four or more employees. Most managed care contracts require it regardless of size. We place coverage with carriers familiar with the Rhode Island 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 RIDOH expects — so your policy always meets it
Rhode Island home health agencies are licensed through RIDOH. Workers' compensation is required for all employers with four or more employees. Most referral sources and RIte Care 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.
Rhode Island Department of Health (RIDOH)
$1M per occurrence / $3M aggregate
200+ RIDOH-licensed home health agencies statewide
Bond required by state
Area Agencies on Aging
- Southern Rhode Island AAA (Wakefield)
- Northern Rhode Island Community Services AAA
- RI Division of Elderly Affairs (Providence)
RIte Care Managed Care
- Neighborhood Health Plan of Rhode Island
- UnitedHealthcare Community Plan of Rhode Island
Other
- RI Division of Developmental Disabilities
- Community Residential Programs
Does Rhode Island require workers compensation for home health agencies?
Rhode Island requires workers compensation for employers with four or more employees. Most RIte Care contracts require it regardless of size.
What insurance do RIte Care contractors need?
Contracts require general liability of at least $1M per occurrence / $3M aggregate, professional liability, workers compensation, and an employee dishonesty bond.
Do Rhode Island home health agencies need abuse and molestation coverage?
Yes — required by most Rhode Island referral sources and managed care organizations.
What is Rhode Island's Division of Developmental Disabilities?
Funds home-based services for people with developmental disabilities. Agencies must maintain GL, professional liability, workers compensation, abuse and molestation, and an employee dishonesty bond.
Does my Rhode Island agency need hired and non-owned auto coverage?
If caregivers drive personal vehicles to client homes, your GL does not cover that exposure.