Insurance built for Washington home health agencies
GL, professional liability, abuse & molestation, employee dishonesty bonds, and hired/non-owned auto — from brokers who know WA DOH and L&I 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.
Washington operates an exclusive L&I state workers compensation fund — all home health agencies must enroll. WA DOH licensure requires proof of active L&I coverage and surveys include mandatory 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 Washington 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
Washington requires workers' compensation for all employers through the exclusive L&I state fund. WA DOH licensure requires proof of active L&I coverage. Home health agencies must maintain L&I enrollment as a condition of licensure.
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 WA DOH expects — so your policy always meets it
Washington home health agencies are licensed through WA DOH and are required to maintain general liability insurance as a condition of licensure. Workers' compensation is required for all employers — Washington operates an exclusive state workers' compensation fund (L&I). Most referral sources and Apple Health managed care contracts require at least $1M per occurrence. Employee dishonesty bonds are required by most referral sources and managed care organizations. WA DOH conducts regular surveys that include mandatory insurance verification.
Washington State Department of Health (WA DOH)
$1M per occurrence / $3M aggregate (WA DOH requirement)
1,200+ WA DOH-licensed home health agencies statewide
Bond required by state
Area Agencies on Aging
- Aging and Long-Term Care of Eastern Washington (Spokane)
- King County AAA (Seattle)
- Pierce County AAA (Tacoma)
- Snohomish County AAA
- Clark County AAA (Vancouver)
Apple Health Managed Care Organizations
- Community Health Plan of Washington
- Coordinated Care of Washington (Centene)
- Molina Healthcare of Washington
- Premera Blue Cross
- UnitedHealthcare Community Plan of Washington
Other
- DSHS COPES Waiver
- Washington Developmental Disabilities Administration
- ALTSA
Does Washington require workers compensation for home health agencies?
Yes — Washington requires workers compensation for all employers through the exclusive L&I state fund. WA DOH licensure requires proof of active L&I coverage.
What is L&I and how does a home health agency enroll?
The Department of Labor and Industries administers Washington's exclusive state workers compensation fund. All employers must purchase through L&I — no private market alternatives exist.
Do Washington home health agencies need abuse and molestation coverage?
Yes — WA DOH and most Apple Health MCOs require it. Washington enforcement is strict.
What is the COPES Waiver?
Washington's HCBS Medicaid waiver for elderly and disabled adults. Participating agencies must maintain GL, professional liability, L&I workers compensation, and an employee dishonesty bond.
Does my Washington agency need hired and non-owned auto coverage?
If caregivers drive personal vehicles to client homes, your GL does not cover that exposure. Apple Health contracts often require it.