Insurance for Home Care Agencies And Providers in Florida
Tailored to caregivers, home care agencies, nurses and other healthcare professionals
Combined General + Professional liability cover from $42/mo
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What does Home Health Care Liability Insurance cover in Florida?
Home Health Care Liability Insurance protects Florida home care agencies and professionals like 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 Jacksonville, Miami, Tampa, or anywhere across Florida, BizInsure offers industry-specific insurance solutions from leading insurers in one place.
Why do Florida home health care providers need insurance?
Home health aides provide essential support to the elderly, chronically ill, and people with disabilities, helping them live safely and comfortably in their own homes. This work comes with unique risks — every client interaction carries potential exposure to accidental injury or liability claims.
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
Accidents happen, and you may be held liable for a client’s medical bills or injuries to their loved ones. Lawsuits and claims are costly and can quickly drain your savings or end your career. Home Health Care Liability Insurance helps protect home health aides and home care agencies in Florida, so you can continue providing care with greater confidence.
Who needs home health care liability insurance in Florida?
BizInsure understands the insurance needs of Florida’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 Florida?
BizInsure offers Professional + General Liability Package made specifically for home care businesses in Florida and across USA.
General Liability insurance
General Liability Insurance helps protect home care providers in Florida against third-party claims involving bodily injury or property damage. It can cover legal defense fees, compensation costs, and medical expenses arising from your care services in clients’ homes or care facilities. We offer coverage up to $1 million per occurrence / up to $3 million in the aggregate.
Professional Liability insurance
Professional Liability Insurance (also known as Medical Malpractice insurance) is designed to cover claims alleging negligence, errors, omissions, or failure to provide professional home care or healthcare services in Florida. It can also cover claims for defamation, libel, slander, and privacy breaches. We offer coverage up to $1 million per occurrence / up to $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 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 Florida, home health care aides are certified as Certified Nursing Assistants (CNAs). To become one:
Training Program – Complete a state-approved CNA training program (classroom + hands-on clinical experience).
Background Check – Pass a background check, including fingerprinting.
Competency Exam – Pass the competency exam (written + skills demonstration), administered by Prometric on behalf of the Florida Department of Health.
Application – Submit an application to the Florida DOH with proof of training, exam results, and required fees.
Requirements can change, so check with the Florida Department of Health for current details.
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