Insurance for Home Care Agencies And Providers in Colorado
Quick, affordable General Liability from $27/mo
Coverage for errors, negligence, patient injuries, property damage and more
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What does Home Health Care Liability Insurance cover in Colorado?
Home Health Care Liability Insurance protects Colorado home care agencies and professionals like home health aides, 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 Denver, Colorado Springs, Aurora, Fort Collins, Boulder or anywhere across Colorado, BizInsure offers industry-specific insurance solutions from leading insurers in one place.
Why do Colorado home health care providers need insurance?
Home health aides assist the elderly, disabled and chronically ill, helping patients live comfortably in their own homes. But accidents happen, and if you’re found responsible, you may be required to compensate the victim or their family, quickly draining your finances.
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
Colorado provides home care insurance to help home health aides, home healthcare agencies and other care providers safeguard their finances, so you can continue providing care with confidence.
Who needs home health care liability insurance in Colorado?
BizInsure understands the insurance needs of Colorado’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 Colorado?
BizInsure offers Professional + General Liability Package made specifically for home care businesses in Colorado and across USA.
General Liability insurance
Protects home care providers in Colorado against third-party claims involving bodily injury or property damage. Covers legal defense fees, compensation costs and medical expenses arising from your care services in clients’ homes or care facilities. Up to $1 million per occurrence / $3 million 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 defamation, libel, slander and privacy breach claims. Up to $1 million per occurrence / $3 million 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 in Colorado 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 Colorado, home health care aides are certified as Certified Nurse Aides (CNAs). Requirements:
Education: Complete a state-approved nurse aide training program (offered by community colleges, vocational schools, and healthcare facilities)
Training: Minimum 75 hours covering basic nursing skills, infection control, patient safety, and communication
Background Check: Mandatory criminal background check; certain convictions may disqualify applicants
Competency Evaluation: Pass a written/oral exam plus skills demonstration, conducted by the Colorado State Board of Nursing or designated agency
Registry Listing: Once certified, your name is added to the Colorado Nurse Aide Registry, maintained by the Colorado Department of Public Health and Environment
CNAs must renew certification every two years, which requires continuing education hours and proof of employment.
For current requirements, visit the Colorado Department of Public Health and Environment website.
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