Insurance for Home Care Agencies And Providers in Virginia
Designed for home care agencies, nurses and healthcare professionals
Combined General + Professional liability cover from $42/mo
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What does Home Health Care Liability Insurance cover in Virginia?
Home Health Care Liability Insurance protects Virginia home care agencies and professionals, including 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 Charlottesville, Harrisonburg, Chesapeake, Norfolk or anywhere across Virginia, BizInsure offers industry-specific insurance solutions from leading insurers in one place.
Why do Virginia home health care providers need insurance?
Home care professionals provide essential support to clients in homes, community settings, and care facilities across Virginia. As a home care provider, your work comes with unique responsibilities. Every client interaction carries potential risks, from accidental injuries to allegations of professional negligence.
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
Without appropriate insurance, these incidents could result in significant legal expenses and financial loss. Our Home Health Care Liability Insurance helps protect your business, reputation, and livelihood, so you can continue providing care services for your clients with greater confidence.
Who needs home health care liability insurance in Virginia?
BizInsure understands the insurance needs of Virginia’s home care industry and offers customized coverage options tailored to the needs of 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 Virginia?
BizInsure offers Professional + General Liability Package made specifically for home care businesses in Virginia and across USA.
Professional Liability insurance
Professional Liability insurance (also known as Medical Malpractice insurance) overs claims of negligence, errors, omissions, or failure to provide adequate home care services. It can also cover claims for defamation, libel, slander, and privacy breaches. Coverage available up to $1 million per occurrence / $3 million in the aggregate.
Explore your state’s insurance requirements
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How much does home health care business insurance in Virginia 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
Most agencies are Medicare-certified, requiring home health aides to:
Complete 75 hours of classroom instruction
Complete 16 additional hours of practical clinical training
Pass a competency evaluation
Work under the supervision of a registered nurse
Pass a background check
Register with the Virginia Department of Health and renew annually
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