Insurance built for Utah home health agencies
GL, professional liability, abuse & molestation, employee dishonesty bonds, and hired/non-owned auto — from brokers who know Utah DHHS and Utah 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.
Utah Medicaid managed care contracts require specific coverage that standard policies miss. Most Utah 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 Utah 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
Utah requires workers' compensation for all employers with one or more employees. Home health agencies contracting with Utah Medicaid 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 DHHS expects — so your policy always meets it
Utah home health agencies are licensed through DHHS. Workers' compensation is required for all employers with one or more employees. Most referral sources and Utah 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.
Utah Department of Health and Human Services (DHHS)
$1M per occurrence / $3M aggregate
500+ DHHS-licensed home health agencies statewide
Bond required by state
Area Agencies on Aging
- Bear River Association of Governments AAA (Logan)
- Five County AAA (St. George)
- Salt Lake County Aging Services
- Mountainland AAA (Provo)
Utah Medicaid Managed Care
- Molina Healthcare of Utah
- SelectHealth Community Care
- University of Utah Health Plans
Other
- Utah Division of Services for People with Disabilities
- New Choices Waiver
Does Utah require workers compensation for home health agencies?
Yes — Utah requires workers compensation for all employers with one or more employees.
What insurance do Utah Medicaid contractors need?
Contracts require general liability of at least $1M per occurrence / $3M aggregate, professional liability, workers compensation, and an employee dishonesty bond.
Do Utah home health agencies need abuse and molestation coverage?
Yes — required by most Utah Medicaid MCOs and referral sources.
What is the New Choices Waiver?
Utah's Medicaid HCBS waiver helping people transition from nursing facilities. Participating agencies must maintain GL, professional liability, workers compensation, and bonds.
Does my Utah agency need hired and non-owned auto coverage?
If caregivers drive personal vehicles to client homes, your GL does not cover that exposure.