Insurance built for West Virginia home health agencies
GL, professional liability, abuse & molestation, employee dishonesty bonds, and hired/non-owned auto — from brokers who know WVDOH and Mountain Health Trust 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.
West Virginia has one of the highest proportions of elderly and disabled residents in the country. Mountain Health Trust managed care contracts require specific coverage that most generalist brokers miss.
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
Area Agencies on Aging
- BridgeValley Community & Technical College AAA (Charleston)
- Mid-Ohio Valley AAA (Parkersburg)
- Southern WV AAA (Beckley)
- Upper Potomac Area Agency on Aging (Morgantown)
Mountain Health Trust Managed Care Organizations
- Aetna Better Health of West Virginia
- The Health Plan (BCBS WV)
- UniCare Health Plan of West Virginia
- WV Family Health (Centene)
Other
- WV Bureau of Senior Services
- Aged and Disabled Medicaid Waiver
Does West Virginia require workers compensation for home health agencies?
Yes — West Virginia requires workers compensation for all employers with one or more employees.
What insurance do Mountain Health Trust contractors need?
Contracts require general liability of at least $1M per occurrence / $3M aggregate, professional liability, workers compensation, and an employee dishonesty bond.
Do West Virginia home health agencies need abuse and molestation coverage?
Yes — required by most Mountain Health Trust MCOs and referral sources.
What is West Virginia's Aged and Disabled Medicaid Waiver?
Provides home-based services for elderly and disabled adults. Participating agencies must maintain GL, professional liability, workers compensation, and bonds.
Does my West Virginia agency need hired and non-owned auto coverage?
If caregivers drive personal vehicles to client homes across rural West Virginia, your GL does not cover that exposure.