Insurance for Home Care Agencies And Providers in Illinois
Illinois home health insurance helps protect finances and reputation
General Liability covers patient slips, falls and property damage
Professional Liability covers negligence and meritless allegations
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What does Home Health Care Liability Insurance cover in Illinois?
Home Health Care Liability Insurance protects Illinois home care agencies and professionals, including caregivers, hospice care providers, 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 Chicago, Aurora, Naperville, Springfield, or anywhere across Illinois, BizInsure offers industry-specific insurance solutions from leading insurers in one place.
Why do Illinois home health care providers need insurance?
Home health aides support elderly, chronically ill, and disabled clients, helping them live safely and comfortably at home. This work carries real liability risk — even routine care can lead to a claim.
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
A lawsuit or claim can quickly drain your finances and put your career at risk. Home Health Care Liability Insurance helps Illinois caregivers and agencies protect their business, reputation, and livelihood.
Who needs home health care liability insurance in Illinois?
BizInsure understands the insurance needs of Illinois’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 Illinois?
BizInsure offers Professional + General Liability Package made specifically for home care businesses in Illinois and across USA.
General Liability insurance
Protects home care providers in Illinois against third-party claims involving bodily injury or property damage. Covers legal defense fees, compensation costs, and medical expenses arising from care services in clients’ homes or care facilities. Coverage up to $1 million per occurrence / $3 million aggregate.
Professional Liability insurance
Also known as Medical Malpractice insurance, this 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. Coverage 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 Illinois 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
The Illinois Department of Public Health requires home health aides to hold a license to operate. Check the Department of Public Health website for current requirements
Review the Home Health, Home Services and Home Nursing Agency Code (Adm. Code 245) to determine which license matches your services. Applications take up to 60 days to review; the Department of Public Health will contact you with next steps.
Source: https://www.ilga.gov/commission/jcar/admincode/077/07700245sections.html
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