Insurance for Home Health Aides and Agencies in Maine
Designed for caregivers and home care businesses
Covers client injuries, property damage and negligence claims
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What does Home Care Liability Insurance cover in Maine?
Home Care Liability Insurance can help protect Maine home care providers against claims related to client care and professional services. Coverage may help with claims involving client injuries, property damage, professional negligence, and associated legal costs.
It can help you with situations such as:
- A caregiver accidentally damages furniture during a client home visit
- A client alleges that a mistake in their care caused an injury
- A family member raises concerns about the care provided
- An error in client records results in a complaint or claim
- A client alleges that a professional service was not performed correctly
BizInsure offers insurance options for your home care business, whether you operate in Portland, Lewiston, Bangor, South Portland, Auburn, or elsewhere in Maine.
Why do Maine home health aides and agencies need insurance?
Providing care in a client’s home comes with responsibilities and risks that can vary from one visit to the next. Even when you take every precaution, an unexpected incident or allegation could result in a claim. Home health aides and agencies may face risks related to client care, employee activities, supervision, and everyday business operations. Business insurance can help with eligible claims and legal defense costs.
Some common situations include:
- A caregiver accidentally damages a client’s furniture or belongings while providing care
- A client claims that an error or oversight during care resulted in an injury
- A family member questions the quality or level of care provided
- An error or omission in client records results in a complaint or claim
- A client alleges that a professional service was incomplete, incorrect, or improperly performed
Who needs home care business insurance in Maine?
Home care businesses range from independent providers to larger, established agencies, and each may have different insurance needs. BizInsure offers flexible coverage options designed around your services, business operations, and the way you work.
Hospice Carers
Personal Care Assistants
Skilled Nursing Care (RNs and CNAs)
Companion Care Providers
Unskilled / ADL Providers
Occupational Therapists
Respite Care Providers
Types of insurance for home care services in Maine
BizInsure offers a Miscellaneous Medical Liability Package tailored to home care providers. The package brings together essential liability protections, giving providers a convenient way to cover key risks associated with their services and business operations.
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How much does home care insurance cost in Maine?
General Liability Insurance for home health aides starts at $27 per month. For home health agencies, General Liability and Professional Liability Insurance 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
Choose customized coverage levels that fit your home care services, business size, and 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
Choose flexible coverage levels to match your South Dakota home care business 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
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