Insurance built for Virginia home health agencies
GL, professional liability, abuse & molestation, employee dishonesty bonds, and hired/non-owned auto — from brokers who know VDH and Medallion 4.0 / CCC+ 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.
Medallion 4.0 and CCC+ managed care contracts require specific coverage that standard policies miss. VDH conducts regular surveys that include insurance verification.
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 Virginia 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
Virginia requires workers' compensation for employers with two or more employees. Most Medallion 4.0 managed care contracts require it regardless of size. We place coverage with carriers familiar with the Virginia 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 VDH expects — so your policy always meets it
Virginia home health agencies are licensed through VDH. Workers' compensation is required for all employers with two or more employees. Most referral sources and Virginia Medicaid Medallion 4.0 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. VDH conducts regular surveys that include insurance verification.
Virginia Department of Health (VDH)
$1M per occurrence / $3M aggregate
1,100+ VDH-licensed home health agencies statewide
Bond required by state
Area Agencies on Aging
- Alexandria Department of Community and Human Services AAA
- Fairfax Area Agency on Aging
- Senior Services of Southeastern Virginia (Norfolk/Virginia Beach)
- Central Virginia AAA (Richmond)
- Valley Program for Aging Services (Harrisonburg)
CCC+ / Medallion 4.0 MCOs
- Aetna Better Health of Virginia
- Anthem HealthKeepers Plus
- Molina Healthcare of Virginia
- Optima Health Community Care
- United Healthcare Community Plan of Virginia
Other
- Virginia DBHDS
- CCC+ Waiver
Does Virginia require workers compensation for home health agencies?
Virginia requires workers compensation for employers with two or more employees. Most Medallion 4.0 and CCC+ contracts require it regardless of size.
What insurance do CCC+ contractors need in Virginia?
CCC+ contracts require general liability of at least $1M per occurrence / $3M aggregate, professional liability, workers compensation, and an employee dishonesty bond.
Do Virginia home health agencies need abuse and molestation coverage?
Yes — required by most Medallion 4.0 MCOs and VDH-surveyed agencies.
What is the CCC+ Waiver?
Commonwealth Coordinated Care Plus integrates Medicare and Medicaid for dually eligible individuals, requiring comprehensive insurance including GL, professional liability, workers compensation, and bonds.
Does my Virginia agency need hired and non-owned auto coverage?
If caregivers drive personal vehicles to client homes, your GL does not cover that exposure.