Insurance for Home Care Agencies And Providers in Ohio
General liability cover from $27/mo
Combined General + Professional Liability from $42/mo
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What does Home Health Care Liability Insurance cover in Ohio?
Home Health Care Liability Insurance helps protect Ohio home care providers and businesses against liability claims related to their 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 operate in Columbus, Cleveland, Cincinnati, Toledo, Akron, or elsewhere in Ohio, BizInsure offers insurance options for home health care providers and businesses.
Why do Ohio home health care providers need insurance?
Home health care providers face risks when working in clients’ homes and providing personal or health care services. Common situations that can 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
Insurance can help cover eligible claims and legal costs, based on the terms, conditions, and exclusions of the policy.
Who needs home health care liability insurance in Ohio?
BizInsure understands the insurance needs of Ohio’s home care industry and offers customized coverage options for 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 Ohio?
BizInsure offers Professional + General Liability Package made specifically for home care businesses in Ohio and across USA.
General Liability insurance
General Liability Insurance for home care providers in Ohio helps protect against third party claims of bodily injury and property damage as a result of your care services. It can also cover legal defense costs. We offer coverage of up to $1 million per occurrence and $3 million in the aggregate.
Professional Liability insurance
Professional Liability Insurance, also known as medical malpractice insurance, can help cover claims of errors, omissions, negligence or inadequate home care services. It can also cover claims involving defamation, privacy breaches, subject to the policy terms. We offer coverage of up to $1 million per occurrence / $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
Ohio does not require a state license for home health aides. However, Medicare or Medicaid certified agencies may require aides to:
complete 75 hours of training
complete 16 hours of clinical training
pass a competency evaluation
Independent Medicaid home health aides must also enroll with the Ohio Department of Job and Family Services and complete state and, where required, FBI background checks.
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