Insurance for Home Care Agencies And Providers in Texas
Combined General + Professional liability cover from $42/mo
Tailored for caregivers, home care agencies, nurses, healthcare providers and more
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What does Home Health Care Liability Insurance cover in Texas?
Home Health Care Liability Insurance protects Texas home care agencies and professionals like caregivers, hospice care and nurses. It helps cover liability claims arising from your care services. Coverage can include claims involving:
- Professional negligence while providing care or support services
- Third-party bodily injury or accidental property damage
- Legal defence costs for covered liability claims
- Alleged errors, omissions, or failure to provide appropriate care
- Incidents occurring while delivering home health or personal care services
Whether you’re operating in Houston, Dallas, Austin, San Antonio, or anywhere across Texas, BizInsure offers industry-specific insurance solutions from leading insurers in one place.
Why do Texas home health care providers need insurance?
Home health care providers in Texas work closely with seniors, people with disabilities, and patients recovering from illness or surgery. Because most services take place inside a client’s home, this setting increases exposure to liability risks.
Common situations that may lead to a claim include:
- A client slips or falls during a home visit
- Accidental damage to a client’s property
- Allegations of professional negligence
- Misunderstandings about the care or services provided
- Legal costs associated with defending a liability claim
Home health care insurance helps protect a home health aide’s income, business assets, and personal finances. Many Texas clients, referral partners, and care networks require proof of insurance before services begin, and policies like General Liability and Professional Liability coverage also support agencies in meeting licensing and contract requirements.
Who needs home health care liability insurance in Texas?
BizInsure understands the insurance needs of Texas’s home care industry and offers access to customized coverage tailored to different care providers and businesses, including.
Hospice Carers
Personal Care Assistants
Skilled Nursing Care (RNs and CNAs)
Companion Care Providers
Unskilled / ADL Providers
Occupational Therapists
Respite Care Providers
What types of insurance do home care providers need in Texas?
BizInsure offers Professional + General Liability Package made specifically for home care businesses in Texas and across USA.
General Liability insurance
General Liability Insurance helps protect home care providers in Texas against third-party claims involving bodily injury or property damage arising from your care services. It can cover legal defense fees, compensation costs, and medical expenses. We offer coverage up to $1 million per occurrence / up to $3 million in the aggregate.
Professional Liability insurance
Professional Liability Insurance (also known as Medical Malpractice insurance) for home care providers in TX is designed to cover claims of negligence, errors, omissions, or failure to provide adequate care services. It can also cover claims for defamation, libel, slander, and privacy breaches. We offer coverage up to $1 million per occurrence / up to $3 million in the aggregate.
Explore your state’s insurance requirements
Select your state to learn about insurance requirements for your home health care business.
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How much does home health care business insurance cost?
Combined Professional and General liability insurance for home health care agencies starts at $51 per month*.
Factors influencing cost
- Risks of the industry
- Coverage level amount
- Annual turnover
- Number of employees
- Claims history
The pricing information on this page is general in nature and provided for illustrative purposes only. It does not take into account your specific circumstances, business operations, or risk profile. Actual premiums vary based on your profession, location, claims history, and other factors.
Get flexible coverage to grow with your business
We offer high-limit coverage levels to suit self-employed home health aide or growing home care agencies with complex needs.
Factors influencing cost
- Risks of the industry
- Coverage level amount
- Annual turnover
- Number of employees
- Claims history
The pricing information on this page is general in nature and provided for illustrative purposes only. It does not take into account your specific circumstances, business operations, or risk profile. Actual premiums vary based on your profession, location, claims history, and other factors.
Flexible coverage to grow with your business
We offer high-limit coverage levels to suit self-employed home health aide or growing home care agencies with complex needs.
Unsure how much to choose? Think about:
- Statutory professional requirements
- Coverage required by contracts
- Number of employees being covered
- Your contract value
- Worst case scenario claim size
Frequently asked questions
Texas does not require a specific state license to work as a Home Health Aide (HHA) or Personal Care Assistant (PCA). However, employers and home health agencies may require:
completion of a caregiver training program
CPR and First Aid certification
a criminal background check
a valid driver’s license and clean driving record
proof of required immunizations
Additional licensing or certification may be required if you provide skilled services, such as nursing or physical therapy.
Check with the Texas Health and Human Services Commission for the latest requirements.
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