Minnesota 245D License: Certificate of Insurance for DHS
What DHS asks for, with links to the official documents
Professional and general liability with DHS on your certificate
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What insurance does DHS require?
The Minnesota Department of Human Services (DHS) licenses providers of home and community-based services under Minnesota Statutes chapter 245D, including in-home support, respite, individualized home supports, companion and homemaker services under the disability waivers. Licensed providers then enroll with Minnesota Health Care Programs (MHCP) through DHS Provider Eligibility and Compliance to bill waiver services. State law asks enrolled waiver providers for proof of liability insurance at enrollment and again whenever DHS requests it.
Who must carry insurance: Waiver service providers that must meet 245D standards, agencies and individual license holders alike, must give DHS proof of liability insurance at MHCP enrollment and on request.
| Coverage | What DHS asks for | Source |
|---|---|---|
| Liability insurance | Proof of liability insurance at MHCP enrollment and within 30 days of any DHS request, for waiver providers that must meet 245D standards, plus elderly waiver and alternative care foster care, fiscal support entities, adult day care, customized living and residential care providers. | Minn. Stat. 256B.4912, subd. 10 |
| General liability insurance certificate | A copy of your general liability certificate with the HCBS Provider Enrollment Application (DHS-4015) when MPSE asks for it, naming Provider Eligibility and Compliance (DHS PE) as certificate holder. Services that need a 245D license are among those that need it. | MHCP Provider Manual, HCBS Programs Enrollment Criteria |
| Liability limits in county contracts (example) | Some Minnesota counties set limits in their own purchase-of-service agreements. For example, an Aitkin County Health & Human Services agreement for waiver case management asked for at least $500,000 per person and $1,500,000 per occurrence (the Minn. Stat. 466.04 limits), with the county department as additional insured. | Aitkin County HHS Purchase of Service Agreement, Section VIII (Minn. Stat. 466.04) |
| Workers’ compensation, liability, surety and fidelity bonds (CFSS agency-providers) | CFSS agency-providers show proof of workers’ compensation and liability insurance, a $20,000 fidelity bond per location, and a surety bond of $50,000 or $100,000 depending on prior-year Medicaid revenue. | Minn. Stat. 256B.85, subd. 12 |
| Workers’ compensation | Minnesota employers insure their employees for workers’ compensation, and that includes 245D license holders with staff. | Minn. Stat. 176.181 |
DHS can ask for proof at any time and gives you 30 days to answer, so renew on time and keep your latest certificate ready to send. Your county contract and DHS enrollment set the final terms.
Other requirements to plan for
- A 245D license from DHS Licensing before MHCP enrollment for licensed services. Since January 1, 2026, DHS has paused new 245D licenses and new services on existing licenses, expected to last through December 31, 2027. Exception requests go through your county, Tribal Nation or managed care organization.
- Background studies under Minn. Stat. chapter 245C for staff with direct contact.
- Vehicles that CFSS workers use to drive participants must be registered and insured under Minnesota law.
- MHCP revalidation applies to enrolled providers.
How to show DHS on your certificate of insurance
Small details cause most certificate rejections. Match DHS’s wording exactly and send an updated certificate every time your policy renews.
Certificate holder: Provider Eligibility and Compliance (often shortened to ‘DHS PE’)
Address: PO Box 64987, St. Paul, MN 55164-0987
Also check: Make sure the certificate shows current policy dates and send a fresh one after each renewal. Some county purchase-of-service agreements also ask for the county as additional insured.
When proof is due: At MHCP enrollment and within 30 days of any DHS request. Keep a current certificate ready for revalidation.
How to send it: Upload with the HCBS Provider Enrollment Application (DHS-4015) in the MN Provider Screening and Enrollment (MPSE) portal, or send it to Provider Eligibility and Compliance with your paper enrollment forms.
With BizInsure you can add DHS as a certificate holder when you buy or later, and every package policy includes a blanket additional insured endorsement for organizations your written contract requires you to add. Need help with the wording? Call 1-877-900-9998.
DHS provider checklist
The main steps, in order, with links to the official pages.
- Confirm your 245D license and enrolled services are current with DHS Official page
- Get a certificate naming Provider Eligibility and Compliance as certificate holder Official page
- Upload the certificate with your HCBS enrollment application in MPSE Official page
- Add your county as additional insured if your purchase-of-service agreement asks Official page
- Renew liability insurance before it expires and keep the new certificate ready
- Send updated proof of insurance within 30 days of any DHS request Official page
- Adding a new service or license? Check the DHS moratorium exceptions page first Official page
Official documents and pages
Coverage options for DHS providers
Through BizInsure, home care agencies and caregivers can buy a Professional & General Liability package: general and professional liability in one policy, with limits of $1 million per claim and up to $3 million aggregate, and abuse & molestation coverage ($100,000 / $300,000) included. Your policy documents and certificate of insurance are emailed when you buy, and you can name DHS as certificate holder. Check these limits against your DHS agreement, then start a quote online or call 1-877-900-9998 to talk with a licensed agent, including about workers’ compensation.
Professional & General Liability package
Professional liability and general liability in one policy built for home care agencies and caregivers: limits of $1 million per claim and up to $3 million in the aggregate.
Abuse & molestation coverage
Included in the package: $100,000 per claim and $300,000 in the aggregate for abuse or molestation allegations, including legal defense.
Additional insured and certificates
Every package policy includes a blanket additional insured endorsement for organizations your written contract requires you to add. Your certificate of insurance arrives by email when you buy, and you can add DHS as certificate holder.
Hired & non-owned auto
Optional for eligible agencies whose staff occasionally drive their own or rented cars for work errands: $250,000 liability.
Workers’ compensation
Our licensed agents can arrange a workers’ compensation quote for your employees. Call 1-877-900-9998.
Price
Starts from $613 a year.
Get the certificate DHS asks for
Answer a few questions online, compare your price and receive your policy and certificate of insurance by email. Prefer to talk it through? Our licensed agents can help.
Related guides
Frequently asked questions
Minn. Stat. 256B.4912 asks for proof of liability insurance at MHCP enrollment but sets no dollar amount. Some counties set limits in their purchase-of-service agreements; an Aitkin County agreement for waiver case management, for example, asked for at least $500,000 per person and $1,500,000 per occurrence.
It stands for DHS Provider Eligibility and Compliance, the unit that enrolls MHCP providers. Name Provider Eligibility and Compliance as certificate holder at PO Box 64987, St. Paul, MN 55164-0987.
A certificate holder simply receives proof of your insurance. An additional insured is also protected by your policy for claims arising from your work. Some county purchase-of-service agreements, such as one from Aitkin County, ask for the county as additional insured, while DHS enrollment asks for Provider Eligibility and Compliance as certificate holder.
Send proof at MHCP enrollment and within 30 days of any DHS request. Renewing before your policy expires means you always have a current certificate ready, including at revalidation.
Yes. Add DHS as a certificate holder when you buy or later, and every package policy includes a blanket additional insured endorsement for organizations your written contract requires you to add. Your certificate is emailed to you, and our licensed agents can help on 1-877-900-9998.
BizInsure (BizInsure LLC, California license 0H81929) is an independent licensed insurance agency and is not affiliated with or endorsed by Minnesota Department of Human Services – 245D Home and Community-Based Services licensing and MHCP provider enrollment. Requirements on this page were last checked on November 4, 2026 against the published documents linked above. They can change, so confirm the current version with the organization. Coverage is subject to the terms, conditions and exclusions of the policy and to underwriting approval.
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