Insurance built for South Carolina home health agencies
GL, professional liability, abuse & molestation, employee dishonesty bonds, and hired/non-owned auto — from brokers who know DHEC and Healthy Connections 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.
DHEC conducts regular surveys that include insurance verification. Healthy Connections 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 South Carolina 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
South Carolina requires workers' compensation for employers with four or more employees. Most home health managed care contracts require it regardless of size. We work with carriers who understand the South Carolina 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 DHEC expects — so your policy always meets it
South Carolina home health agencies are licensed through DHEC. Workers' compensation is required for all employers with four or more employees. Most referral sources and Healthy Connections 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. DHEC conducts regular surveys that include insurance verification.
South Carolina Department of Health and Environmental Control (DHEC)
$1M per occurrence / $3M aggregate
600+ DHEC-licensed home health agencies statewide
Bond required by state
Area Agencies on Aging
- Central Midlands COG AAA (Columbia)
- Trident AAA (Charleston)
- Upstate COG AAA (Greenville)
- Waccamaw Regional Council AAA (Myrtle Beach)
Healthy Connections Managed Care Organizations
- Absolute Total Care (Centene)
- Molina Healthcare of South Carolina
- Select Health of South Carolina (AmeriHealth)
Other
- SC Department on Aging
- Community Long Term Care (CLTC) waiver
Does South Carolina require workers compensation for home health agencies?
South Carolina requires workers compensation for employers with four or more employees. Most Healthy Connections contracts require it regardless of size.
What insurance do Healthy Connections contractors need?
Contracts require general liability of at least $1M per occurrence / $3M aggregate, professional liability, workers compensation, and an employee dishonesty bond.
Do South Carolina home health agencies need abuse and molestation coverage?
Yes — required by most DHEC-surveyed agencies and Healthy Connections MCOs.
What is the Community Long Term Care waiver?
CLTC provides home-based Medicaid services for elderly and disabled adults. Participating agencies must maintain GL, professional liability, workers compensation, and an employee dishonesty bond.
Does my South Carolina agency need hired and non-owned auto coverage?
If caregivers drive personal vehicles to client homes, your GL does not cover that exposure.