Home Healthcare Professionals Insurance
Built for nurses, specialist health care providers and agencies
General Liability from $27/mo. PL+GL from $42/mo
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Instant Coverage
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What does home healthcare professional insurance cover?
Home healthcare professional insurance helps protect your business from the financial impact of claims arising from your the care and services you provide as well as your day-to-day operations.
Depending on the policy, it can cover you for:
- Settlements or damages
- Legal defense costs
- Third-party bodily injury
- Property damage
- Malpractice or negligence claims
- Employee injury benefits under Workers’ Compensation
- Damage to business property under a Business Owner’s Policy (BOP)
Be sure to read your policy documents carefully to understand what’s covered.
Why do home healthcare professionals need insurance?
Providing care in clients’ homes comes with unique risks. Even with proper training and professional care, accidents, malpractice claims, or property damage can happen. Insurance can help protect your home healthcare business from the financial impact of these unexpected events.
| Risk scenarios | Coverage benefits |
|---|---|
| Client injury A client trips over your medical bag or equipment during a home visit and suffers an injury. | General Liability Insurance can help cover legal costs and compensation if your business is held responsible for a third-party injury. |
| Malpractice or negligence claim A client alleges that an error in the care or treatment you provided caused their condition to worsen. | Professional Liability Insurance can help cover legal defense costs, settlements, or damages arising from claims of negligence, errors, or omissions in the professional services you provide. |
| Cyber breach Cybercriminals gain access to your patient records, exposing confidential personal and health information. | Cyber Breach Response Services coverage can help with the costs of responding to a data breach, including notifying affected individuals and certain |
| Employee injury A home healthcare employee suffers a back injury while helping a client transfer from a bed to a wheelchair. | Workers’ Compensation Insurance can help cover medical expenses, lost wages, and other benefits for employees who suffer work-related injuries or illnesses, where required by state law. |
| Damaged office equipment A fire damages your office computers, medical supplies, and scheduling equipment, disrupting your ability to coordinate patient care. | A Business Owner’s Policy (BOP) can help cover the cost to repair or replace damaged business property following a covered event, helping your business recover sooner. |
Who needs healthcare business insurance
From home self-employed caregivers to growing home care agencies, BizInsure offers dependable insurance solutions for Health Care Professionals whether you work in public or private practice.
Coverage for staff injuries, client claims, and operations risks.
Home care businesses and providers with employees.
Hospice Care
End-of-life comfort care for patients and families.
Adult Day Cares
Coverage for centers offering daytime supervision and activities for adults needing care.
Coverage for independent care providers and non-medical home carers.
Licensed nurses providing clinical care and treatment
Coverage for healthcare professionals who offer daily care to patients.
Personal Care Assistants (PCA)
Supporting clients with bathing, dressing, and mobility
Companion Care Providers
Coverage for companionship and household support.
Unskilled / ADL Providers
Providing non-medical daily living activities.
Coverage against claims from functional assessments, and manual therapy.
Coverage for malpractice, injury, and property risks.
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Types of insurance for home healthcare professionals
The types of insurance you may need depends on your role, how you work, and whether you operate alone or employ others. With BizInsure, you can a mix-and-match a broad range of coverage to protect against various risks.
General Liability insurance
General Liability Insurance covers your business if a third-party is injured, or their property is damaged, a of your business activities or services. It covers legal costs compensation costs. We offer coverage up to $1 million per occurrence and $3 million in the aggregate.
Professional Liability insurance
Professional Liability insurance, also known as Errors & Omissions insurance protects you against claims of negligence, misrepresentation or mistake, resulting in financial loss to a third party. We offer coverage up to $1 million per occurrence and $3 million in the aggregate.
Sexual Abuse and Molestation
Sexual Abuse and Molestation Cover is designed to cover legal defense and settlement costs against allegations of client abuse, assault, misconduct, or harassment. It can provide coverage for counseling support, alleged physical misconduct, reputational & legal liability management.
How much does healthcare professionals’ insurance cost?
Health care liability insurance starts at $42 per month or $513 per year, combining Professional Liability and General Liability coverage in one easy policy.
Get coverage that works with the risks of your business
BizInsure offers high-limit coverage levels tailored to variety of health professionals from registered nurses to evolving home care agencies.
Unsure how much to choose? Think about:
Statutory Profession Requirements
Coverage required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Get coverage that works with the risks of your business
BizInsure offers high-limit coverage levels tailored to variety of health professionals from registered nurses to evolving home care agencies.
Unsure how much to choose? Think about:
Statutory professional requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
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We are proud of our innovative insurance platform, outstanding team, and stellar workplace to have helped aspiring businesses to protect what matters most.
Frequently asked questions
Insurance requirements can vary depending on your profession, business setup, and the state where you work. Even where coverage is not legally required, many healthcare professionals still need insurance to meet business or contractual expectations.
The right insurance starts with understanding the work you actually do. Clear, role-based coverage can help avoid gaps and give you more confidence in your protection.
Match coverage to your role and services
Choose insurance that reflects the care, treatment, or support services you provide. Your coverage should align with the real risks in your day-to-day work.
Choose limits that fit your level of risk
Coverage limits should reflect the kind of work you do, the clients you serve, and the size of your operation.
Review your coverage as your work changes
If you add staff, expand services, or take on different clients, review your insurance so it still fits your business.
