Insurance built for Texas home health agencies
GL, professional liability, abuse & molestation, employee dishonesty bonds, and hired/non-owned auto — from brokers who've owned home health agencies and know HHSC inside and out.
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.
Texas is the only state that doesn't require workers comp by law — but every managed care organization and most referral sources require it anyway. The wrong policy puts your HHSC license and your contracts at risk.
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 Texas 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
Texas is the only state that does not require employers to carry workers' compensation by law. However, most home health contracts, referral sources, and managed care organizations require it. We work with carriers who know the home health class code.
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 HHSC expects — so your policy always meets it
HHSC-licensed home health agencies in Texas are not subject to a state-mandated minimum general liability limit, but most contracts and referral sources require at least $1M per occurrence and $3M aggregate. Texas is the only state that does not require employers to carry workers' compensation by law, but home health agencies with employees are strongly advised to carry it. Many Regional Centers and hospital referral sources also require an employee dishonesty bond. We make sure your policy satisfies all of it.
Texas Health and Human Services Commission (HHSC)
$1M per occurrence / $3M aggregate (industry standard, HHSC contracts)
3,000+ HHSC-licensed home health agencies statewide
Bond required by state
STAR+PLUS Managed Care Organizations
- Aetna Better Health of Texas
- Amerigroup Texas
- Centene / Superior HealthPlan
- Molina Healthcare of Texas
- UnitedHealthcare Community Plan of Texas
Area Agencies on Aging
- Dallas Area Agency on Aging
- Houston-Galveston Area Council AAA
- Alamo Area Agency on Aging (San Antonio)
- Texoma AAA
- Deep East Texas COG AAA
IDD Regional Centers / MHMR
- Alamo Area Community Support (San Antonio)
- Metrocare Services (Dallas)
- Spindletop Center (Beaumont)
- Heart of Texas Region MHMR (Waco)
Other HHSC Waiver Programs
- HCS Waiver (Home and Community-based Services)
- CLASS Program
- DBMD Program
Does Texas require workers compensation for home health agencies?
Texas is the only state that does not require employers to carry workers compensation by law. However, virtually every STAR+PLUS MCO, hospital referral source, and Regional Center requires it as a condition of contracting.
What insurance does HHSC require for home health licensure?
HHSC does not mandate a specific minimum GL limit for licensure, but most contracts and referral sources require at least $1M per occurrence / $3M aggregate. HHSC requires proof of general liability as a condition of initial licensure.
Do Texas home health agencies need abuse and molestation coverage?
Yes — one of the most commonly missed coverages for Texas agencies. Most STAR+PLUS MCOs and Regional Centers require it explicitly.
What is the HCS waiver and what insurance does it require?
The Home and Community-based Services waiver funds services for people with intellectual disabilities. HCS agencies must maintain GL, professional liability, workers compensation, abuse and molestation, and an employee dishonesty bond. We specialize in HCS waiver agency coverage.
What are CLASS and DBMD programs?
CLASS and DBMD are Texas Medicaid waiver programs requiring the same coverage standards as HCS waiver providers.