Insurance built for Wyoming home health agencies
GL, professional liability, abuse & molestation, employee dishonesty bonds, and hired/non-owned auto — from brokers who know Wyoming DOH 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.
Wyoming operates an exclusive state workers compensation fund — all agencies must enroll. Most Wyoming agencies also lack the abuse and molestation coverage required by referral sources.
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 Wyoming 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
Wyoming requires workers' compensation for all employers through the exclusive state fund. Home health agencies must maintain active coverage as a condition of licensure and managed care contracting.
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 WDH expects — so your policy always meets it
Wyoming home health agencies are licensed through WDH. Workers' compensation is required for all employers — Wyoming operates an exclusive state workers' compensation fund. Most referral sources and Wyoming Medicaid 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.
Wyoming Department of Health (WDH)
$1M per occurrence / $3M aggregate
100+ WDH-licensed home health agencies statewide
Bond required by state
Area Agencies on Aging
- Senior Center of Cheyenne / Southeast Wyoming AAA
- Central Wyoming AAA (Casper)
- Northern Wyoming AAA
Wyoming Medicaid
- Wyoming Medicaid (fee-for-service)
- Blue Cross Blue Shield of Wyoming
Other
- Wyoming Department of Health Aging Division
- HCBS Waiver Programs
Does Wyoming require workers compensation for home health agencies?
Yes — Wyoming requires workers compensation for all employers through the exclusive state fund. Private carrier alternatives are not permitted.
What is Wyoming's state workers compensation fund?
Wyoming operates an exclusive state workers compensation system. All employers must participate.
Do Wyoming home health agencies need abuse and molestation coverage?
Yes — required by most Wyoming referral sources and Medicaid programs.
What Wyoming Medicaid programs do home health agencies contract with?
Wyoming Medicaid operates largely fee-for-service. HCBS waiver programs require GL, professional liability, workers compensation, and bonds.
Does my Wyoming agency need hired and non-owned auto coverage?
If caregivers drive personal vehicles to client homes across Wyoming's vast rural geography, your GL does not cover that exposure.