Insurance built for Tennessee home health agencies
GL, professional liability, abuse & molestation, employee dishonesty bonds, and hired/non-owned auto — from brokers who know TDH and TennCare 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.
TennCare managed care contracts require specific coverage that standard policies miss. TDH conducts regular surveys that include insurance verification — coverage gaps can trigger license action.
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 Tennessee 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
Tennessee requires workers' compensation for employers with five or more employees. Most TennCare managed care contracts require it regardless of size. We place coverage with carriers experienced in the Tennessee 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 TDH expects — so your policy always meets it
Tennessee home health agencies are licensed through TDH. Workers' compensation is required for all employers with five or more employees. Most referral sources and TennCare managed care contracts require at least $1M per occurrence in general liability coverage. Employee dishonesty bonds are required by most referral sources and TennCare managed care organizations. TDH conducts regular surveys that include insurance verification.
Tennessee Department of Health (TDH)
$1M per occurrence / $3M aggregate
1,000+ TDH-licensed home health agencies statewide
Bond required by state
Area Agencies on Aging
- Mid-Cumberland Area Agency on Aging (Nashville)
- East Tennessee Human Resource Agency AAA (Knoxville)
- Memphis Area AAA
- South Central Tennessee Development District AAA
TennCare Managed Care Organizations
- Amerigroup Tennessee
- BlueCross BlueShield of Tennessee
- UnitedHealthcare Community Plan of Tennessee
Other
- Tennessee Commission on Aging and Disability
- CHOICES program (HCBS waiver)
Does Tennessee require workers compensation for home health agencies?
Tennessee requires workers compensation for employers with five or more employees. Most TennCare contracts require it regardless of size.
What insurance do TennCare contractors need?
Contracts require general liability of at least $1M per occurrence / $3M aggregate, professional liability, workers compensation, and an employee dishonesty bond.
Do Tennessee home health agencies need abuse and molestation coverage?
Yes — required by most TennCare MCOs and the CHOICES waiver program.
What is the CHOICES program?
Tennessee's HCBS Medicaid waiver providing home and community-based services. Participating agencies must maintain GL, professional liability, workers compensation, and an employee dishonesty bond.
Does my Tennessee agency need hired and non-owned auto coverage?
If caregivers drive personal vehicles to client homes, your GL does not cover that exposure.