Insurance built for Texas home health agencies
We help Texas home health agencies get the right coverage — at the right price — without the runaround.
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 home health agencies face unique compliance requirements. The wrong policy puts your license 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