Insurance for Home Health Aides and Agencies in Hawaii
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Coverage for injury, damage, negligence claims
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What does Home Care Liability Insurance cover in Hawaii?
Home Care Liability Insurance can help Hawaii home care providers manage certain risks that may arise while delivering care and professional services. Depending on the policy, coverage may help with claims involving client injuries, accidental property damage, professional negligence, and related legal expenses.
Coverage may be relevant in situations such as:
- A caregiver accidentally damages a client’s furniture, belongings, or other property during a home visit
- A client alleges that an error or oversight in their care contributed to an injury
- A family member raises concerns about the quality or standard of care provided
- An error or omission in client records leads to a complaint or claim
- A client alleges that a professional service was not completed properly or as expected
BizInsure offers insurance options for home care businesses throughout Hawaii, including Honolulu, Hilo, Kailua, Kaneohe, Pearl City, and surrounding areas.
Why do Hawaii home health aides and agencies need insurance?
Caring for clients in their homes involves a range of responsibilities, and unexpected situations can occur even when appropriate care is provided. Home health aides and agencies may face potential claims related to client injuries, employee activities, supervision, recordkeeping, and the services they deliver. Business insurance can help cover eligible claims and associated legal defence costs.
Situations that could potentially result in a claim include:
- A caregiver accidentally damages a client’s furniture, equipment, or personal belongings
- A client alleges that a mistake or oversight during a home visit contributed to an injury
- A family member raises concerns about the quality or standard of care provided
- An error or omission in client records results in a complaint or claim
- A client alleges that a service was incomplete, incorrectly performed, or did not meet expectations
Who needs home care business insurance in Hawaii?
Home care businesses vary in size and structure, from independent caregivers supporting individual clients to larger agencies employing multiple care professionals. Your insurance needs may depend on the services you provide, how your business operates, and the type of care you deliver. BizInsure offers coverage options designed to support home care businesses and the services they provide.
Hospice Carers
Personal Care Assistants
Skilled Nursing Care (RNs and CNAs)
Companion Care Providers
Unskilled / ADL Providers
Occupational Therapists
Respite Care Providers
Types of insurance for home care services in Hawaii
BizInsure provides a Miscellaneous Medical Liability Package designed specifically for home care providers. It combines key liability coverages into one package, helping protect providers against potential risks arising from client care, professional services, and everyday business operations.
Professional Liability insurance
Professional Liability (also known as Medical Malpractice insurance), helps cover home care providers in Hawaii protect against claims of negligence, errors, omissions, or failure to provide adequate services. It can also cover 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 care insurance cost in Hawaii?
General Liability Insurance for home health aides starts at $27 per month. For home health agencies, General Liability and Professional Liability Insurance 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
Choose customized coverage levels that fit your home care services, business size, and 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
Choose flexible coverage levels to match your South Dakota home care business 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
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