Insurance built for South Dakota home health agencies
GL, professional liability, abuse & molestation, employee dishonesty bonds, and hired/non-owned auto — from brokers who know SDDOH and South Dakota Medicaid 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.
South Dakota Medicaid requires specific coverage that standard policies miss. Most South Dakota agencies lack the abuse and molestation coverage required by referral sources.
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 Dakota 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 Dakota requires workers' compensation for all employers with one or more employees. Home health agencies serving South Dakota Medicaid members must maintain 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 SDDOH expects — so your policy always meets it
South Dakota home health agencies are licensed through SDDOH. Workers' compensation is required for all employers with one or more employees. Most referral sources and South Dakota Medicaid 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.
South Dakota Department of Health (SDDOH)
$1M per occurrence / $3M aggregate
150+ SDDOH-licensed home health agencies statewide
Bond required by state
Area Agencies on Aging
- East River AAA (Sioux Falls)
- West River / Lyman-Jones AAA (Rapid City)
- Aberdeen Area AAA
South Dakota Medicaid
- South Dakota Medicaid (fee-for-service)
- Wellmark Blue Cross Blue Shield
Other
- SD Division of Long Term Services and Supports
- Aged and Disabled Medicaid waiver
Does South Dakota require workers compensation for home health agencies?
Yes — South Dakota requires workers compensation for all employers with one or more employees.
What insurance do South Dakota home health agencies need?
SDDOH-licensed agencies need general liability of at least $1M per occurrence / $3M aggregate, professional liability, workers compensation, and an employee dishonesty bond.
Do South Dakota home health agencies need abuse and molestation coverage?
Yes — required by most South Dakota referral sources and managed care organizations.
What is South Dakota's Aged and Disabled Medicaid waiver?
Provides home-based services for elderly and disabled adults. Participating agencies must maintain GL, professional liability, workers compensation, and bonds.
Does my South Dakota agency need hired and non-owned auto coverage?
If caregivers drive personal vehicles to client homes, your GL does not cover that exposure.