Insurance built for West Virginia home health agencies
We help West Virginia 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.
West Virginia 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 West 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
West Virginia requires workers' compensation for all employers with one or more employees. Mountain Health Trust 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 WVDOH expects — so your policy always meets it
West Virginia home health agencies are licensed through WVDOH. Workers' compensation is required for all employers with one or more employees. Most referral sources and Mountain Health Trust 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.
West Virginia Department of Health (WVDOH)
$1M per occurrence / $3M aggregate
400+ WVDOH-licensed home health agencies statewide
Bond required by state