Insurance built for Wisconsin home health agencies
GL, professional liability, abuse & molestation, employee dishonesty bonds, and hired/non-owned auto — from brokers who know DHS and ForwardHealth 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.
ForwardHealth managed care contracts require specific coverage that standard policies miss. DHS 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 Wisconsin 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
Wisconsin requires workers' compensation for employers with three or more employees. Most ForwardHealth managed care contracts require it regardless of size. We work with carriers who understand the Wisconsin 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 DHS expects — so your policy always meets it
Wisconsin home health agencies are licensed through DHS. Workers' compensation is required for all employers with three or more employees. Most referral sources and ForwardHealth 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. DHS conducts regular surveys that include insurance verification.
Wisconsin Department of Health Services (DHS)
$1M per occurrence / $3M aggregate
700+ DHS-licensed home health agencies statewide
Bond required by state
Area Agencies on Aging
- Milwaukee County Department on Aging
- Dane County AAA (Madison)
- Aging and Disability Resource Center of Brown County (Green Bay)
- Aging and Disability Resource Center of Waukesha County
ForwardHealth Managed Care Organizations
- iCare (Independent Care Health Plan)
- Molina Healthcare of Wisconsin
- Network Health
- UnitedHealthcare Community Plan of Wisconsin
- WPS Health Insurance
Other
- Wisconsin Family Care Program
- IRIS Program (self-directed supports)
- Wisconsin DHS Division of Long Term Care
Does Wisconsin require workers compensation for home health agencies?
Wisconsin requires workers compensation for employers with three or more employees. Most ForwardHealth contracts require it regardless of size.
What insurance do ForwardHealth contractors need?
Contracts require general liability of at least $1M per occurrence / $3M aggregate, professional liability, workers compensation, and an employee dishonesty bond.
Do Wisconsin home health agencies need abuse and molestation coverage?
Yes — required by most ForwardHealth MCOs and DHS-surveyed agencies.
What are the Wisconsin Family Care and IRIS programs?
Family Care is Wisconsin's managed HCBS program. IRIS is a self-directed alternative. Agencies in either must maintain GL, professional liability, workers compensation, and bonds.
Does my Wisconsin agency need hired and non-owned auto coverage?
If caregivers drive personal vehicles to client homes, your GL does not cover that exposure.