Insurance built for Vermont home health agencies
GL, professional liability, abuse & molestation, employee dishonesty bonds, and hired/non-owned auto — from brokers who know Vermont DPH and Green Mountain Care 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.
Vermont Green Mountain Care managed care contracts require specific coverage that standard policies miss. Vermont has one of the oldest median-age populations in New England.
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 Vermont 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
Vermont requires workers' compensation for all employers with one or more employees. Green Mountain Care managed care contracts require 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 VDH expects — so your policy always meets it
Vermont home health agencies are licensed through VDH. Workers' compensation is required for all employers with one or more employees. Most referral sources and Green Mountain Care 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.
Vermont Department of Health (VDH)
$1M per occurrence / $3M aggregate
150+ VDH-licensed home health agencies statewide
Bond required by state
Area Agencies on Aging
- Central Vermont Council on Aging
- Champlain Valley Agency on Aging (Burlington)
- Senior Solutions (Springfield)
- Northeastern Vermont AAA (St. Johnsbury)
Vermont Medicaid
- Vermont Medicaid (largely fee-for-service)
- OneCare Vermont ACO programs
Other
- Vermont Developmental Disabilities Services
- Home Health Agencies of Vermont
Does Vermont require workers compensation for home health agencies?
Yes — Vermont requires workers compensation for all employers with one or more employees.
What insurance do Vermont home health agencies need?
VDH-licensed agencies need general liability of at least $1M per occurrence / $3M aggregate, professional liability, workers compensation, and an employee dishonesty bond.
Do Vermont home health agencies need abuse and molestation coverage?
Yes — required by most Vermont referral sources and managed care organizations.
What is OneCare Vermont?
Vermont's ACO managing Medicare and Medicaid services. Home health agencies participating in OneCare programs must meet standard insurance requirements.
Does my Vermont agency need hired and non-owned auto coverage?
If caregivers drive personal vehicles to client homes, your GL does not cover that exposure.