Insurance for Home Care Agencies And Providers in Connecticut
Designed for caregivers, home care agencies and more
Professional + General Liability from $42/month
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What does Home Health Care Liability Insurance cover in Connecticut?
Home Health Care Liability Insurance helps protect Connecticut home care agencies and professionals, including home health aides, caregivers, and nurses, from liability claims related to their 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 operate in Hartford, Stamford, New Haven, Bridgeport, or elsewhere in Connecticut, BizInsure offers insurance options designed for home health care professionals and businesses.
Why do Connecticut home health care providers need insurance?
Home health care providers support elderly, disabled, and chronically ill clients in their homes. This work can involve risks that may lead to costly liability claims or lawsuits.
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, a claim could result in significant legal and financial costs. Home Health Care Liability Insurance can help protect your business and finances when covered claims arise.
Who needs home health care liability insurance in Connecticut?
BizInsure understands the insurance needs of Connecticut’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 Connecticut?
BizInsure offers Professional + General Liability Package made specifically for home care businesses in Connecticut and across USA.
General Liability insurance
General Liability insurance helps protect Connecticut home care providers against third party claims involving bodily injury or property damage. It can help cover legal defense fees and 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 Medical Malpractice Insurance, helps cover claims alleging negligence, errors, omissions in your care services. Coverage can also include claims involving defamation, libel, slander, or privacy breaches. We offer coverage up to $1 million per occurrence and $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.
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How much does home health care business insurance in Connecticut 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
Connecticut has different requirements for home health aides, certified nurse aides, and home health care agencies. The Connecticut Department of Public Health regulates home health care and home health aide agencies.
For nurse aides, the general requirements include:
complete a Connecticut approved nurse aide training program of at least 100 hours, including classroom and clinical training
pass both the written and practical parts of the Connecticut CNA examination
complete the requirements to be placed on the Connecticut Nurse’s Aide Registry
maintain your certification according to Connecticut renewal requirements
Home health aide agencies and home health care agencies must also meet separate state licensing requirements. Connecticut DPH licenses home health care agencies that provide services such as nursing, home health aide, physical therapy, and other health services. Home health aide agencies are licensed to provide home health aide services under the required supervision.
For the most current requirements, check the Connecticut Department of Public Health licensing information.
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