Insurance for Home Health Aides and Agencies in Maryland
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What does Home Care Liability Insurance cover in Maryland?
Home Care Liability Insurance can help protect Maryland providers against claims arising from client care and professional services. Coverage may help with claims involving client injuries, property damage, professional negligence, and related legal expenses.
It can help you for:
- A caregiver accidentally damaging furniture while working in a client’s home
- A client alleging that a mistake in their care resulted in an injury
- A family member raising concerns about the quality of care provided
- An error in client documentation leading to a complaint
- A client claiming that a professional service was performed incorrectly
BizInsure provides insurance options for home care businesses throughout Maryland, whether you operate in Baltimore, Frederick, Rockville, Gaithersburg, Annapolis, or elsewhere in the state.
Why do Maryland home health aides and agencies need insurance?
Providing care in a client’s home involves a range of risks, and even routine services can sometimes lead to an unexpected claim. Home health aides and agencies may also face risks associated with providing care, employing and supervising staff, and managing everyday business operations.
Common risks include:
- A caregiver unintentionally damaging a client’s belongings during a home visit
- A client alleging that an error in their care caused an injury
- A family member making a complaint about the services provided
- A mistake in client records resulting in a complaint or claim
- A client claiming that a professional service was not carried out correctly
Who needs home care business insurance in Maryland?
From independent providers to established agencies, different home care businesses face different insurance needs. BizInsure offers coverage options tailored to your services and business operations.
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 Arkansas
BizInsure offers a Miscellaneous Medical Liability Package for the home care industry. It combines key liability protections into one package, providing a convenient coverage for providers.
General Liability insurance
General Liability Insurance helps protect home care providers in Maryland against third-party claims of bodily injury and property damage. It can cover legal defense costs, medical expenses, and compensation. We offer coverage of 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 protect Maryland home care providers against financial losses arising from negligence, errors, omissions claims. It can also cover claims of defamation, libel, slander, and privacy breaches. We offer coverage of 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 Maryland?
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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