Insurance for Home Care Agencies And Providers in Pennsylvania
Combined General + Professional liability cover from $42/mo
Cover for errors, malpractice claims, and legal defense costs
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What does Home Health Care Liability Insurance cover in Pennsylvania?
Home Health Care Liability Insurance protects Pennsylvania 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 Philadelphia, Pittsburgh, Allentown, Harrisburg, or anywhere across Pennsylvania, BizInsure offers industry-specific insurance solutions from leading insurers in one place.
Why do Pennsylvania home health care providers need insurance?
Home health care professionals often assist seniors, people with disabilities, and patients recovering from illness or surgery. Providing care in private homes can increase 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 income, business assets, and personal finances in the event of a claim. Many clients, referral agencies, and care facilities require proof of insurance before services begin, and for agencies, coverage may also be required as part of service agreements or provider contracts.
Who needs home health care liability insurance in Pennsylvania?
BizInsure understands the insurance needs of Pennsylvania’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 Pennsylvania?
BizInsure offers Professional + General Liability Package made specifically for home care businesses in Pennsylvania and across USA.
General Liability insurance
General Liability Insurance helps protect home care providers in Pennsylvania against third-party claims involving bodily injury or property damage. It can cover legal defense fees, compensation costs. 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) is designed to cover claims claims of negligence, errors, omissions, or inadequate home 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.
Sexual Abuse and Molestation
Sexual Abuse and Molestation coverage provides protection for home care providers in Pennsylvania against allegations of abuse or molestation, including legal defense costs and legal claims. We offer coverage up to $100,000 per occurrence / up to $300,000 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
Pennsylvania does not require sole proprietors or subcontractors to carry insurance. However, businesses with employees must have Workers’ Compensation insurance. General Liability insurance may also be required by landlords or clients.
The amount of coverage you need depends on your business, services, employees, and location. Consider your number of clients, employees, and the risks associated with your work when choosing coverage.
Pennsylvania home health aides must complete at least 75 hours of training, including 16 hours of clinical training. Additional requirements may include a criminal background check, child abuse clearance, and TB screening.
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