Insurance for Home Care Agencies And Providers in Arizona
Combined General + Professional liability cover from $42/mo
Cover for errors, malpractice, injury, property damage claims and legal defense costs
Certificate of Insurance emailed instantly
Based on 800+ Google reviews
Compare Quotes
From multiple carriers
Save Time
Buy online in minutes
Save Money
Switch and save
Instant Coverage
Delivered to your inbox
Compare Quotes
From multiple carriers
Save Time
Buy online in minutes
Save Money
Switch and save
Instant Coverage
Delivered to your inbox
Our A-rated carriers
On this page:
What does Home Health Care Liability Insurance cover in Arizona?
Home Health Care Liability Insurance protects Arizona 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 Phoenix, Tucson, Mesa, Sedona or anywhere across Arizona, BizInsure offers industry-specific insurance solutions from leading insurers in one place.
Why do Arizona home health care providers need insurance?
Home care professionals provide essential support to clients in homes, community settings, and care facilities across Arizona. 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 Arizona?
BizInsure understands the insurance needs of Arizona’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 Arizona?
BizInsure offers Professional + General Liability Package made specifically for home care businesses in Arizona and across USA.
General Liability insurance
Protects home care providers in Arizona against third-party claims involving bodily injury and property damage. Covers legal defense fees, compensation costs, and medical expenses arising from your care services in clients’ homes or care facilities. Cover available up to $1 million per occurrence / $3 million in the aggregate.
Professional Liability insurance
Also known as Medical Malpractice insurance. Covers claims alleging negligence, errors, omissions, or failure to provide professional home care or healthcare services. Also covers claims for defamation, libel, slander, and privacy breaches. Cover available 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.
Choose a state
How much does home health care business insurance in Arizona 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
In Arizona, home health care aides are typically referred to as Certified Nursing Assistants (CNAs), regulated by the Arizona State Board of Nursing (AZBN). Requirements:
Training: Complete an approved CNA training program (~120 hours, classroom + clinical)
Competency Exam: Pass a written test and practical skills evaluation
Fingerprint Clearance: Obtain clearance from the Arizona Department of Public Safety
Application: Submit a license application to the AZBN
Renewal: Renew every two years, with at least 20 hours of continuing education per period
Note: These requirements apply to CNA licensing. For home health aide-specific requirements, check with the Arizona Department of Health Services.
Fast, simple and 100% online
Get instant coverage in easy 3 steps under 10 minutes
Enter Occupation
Select Profession
Choose Coverage
Match your specific needs
Get Covered
Instant certificate of insurance and policy documents
Small Business Insurance Experts
We are proud of our innovative insurance platform, outstanding team, and stellar workplace to have helped aspiring businesses to protect what matters most.
