Insurance for Home Health Aides and Agencies in Louisiana
Designed for caregivers, home health agencies, nurses and more
Covers third-party injuries, property damage, negligence claims
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What does Home Care Liability Insurance cover in Louisiana?
Home Care Liability Insurance can help Louisiana 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 Louisiana, including New Orleans, Baton Rouge, Shreveport, Lafayette, Lake Charles, and surrounding areas.
Why do Louisiana home health aides and agencies need insurance?
Caring for clients in their homes involves a variety of responsibilities, and unexpected issues can arise even when appropriate care is taken. Home health aides and agencies may face potential claims involving client injuries, employee activities, supervision, recordkeeping, and the services they provide. Business insurance can help with covered claims and the legal defense costs associated with them.
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 caused 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 service was incomplete, incorrectly performed, or did not meet expectations
Who needs home care business insurance in Louisiana?
Home care businesses come in different sizes and structures, from independent caregivers working with individual clients to larger agencies employing multiple care professionals. Your insurance needs can depend on the services you offer, how your business is set up, and your daily operations. BizInsure provides coverage options designed to support your business and the care services you deliver.
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 Louisiana
BizInsure offers a Miscellaneous Medical Liability Package tailored to home care providers. It brings together essential liability protections in one package, helping providers manage potential risks related to client care, professional services, and their day-to-day business activities.
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 Louisiana?
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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