Insurance for Home Care Agencies And Providers in Missouri
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What does Home Health Care Liability Insurance cover in Missouri?
Home Health Care Liability Insurance helps protect Missouri home care providers, including home health aides, caregivers, hospice workers, and nurses, against liability claims related to their services.
Coverage can include claims involving:
- professional negligence while providing home care or support services
- third party bodily injury or accidental property damage
- legal defense costs for covered liability claims
- alleged errors, omissions, or failure to provide appropriate care
- incidents that occur while providing care in a client’s home or other care setting
Whether you operate in Kansas City, St. Louis, Springfield, Columbia, Independence, or elsewhere in Missouri, BizInsure offers insurance options for home health care businesses from leading insurers in one place.
Why do Missouri home health care providers need insurance?
Home health care providers assist elderly, disabled, and chronically ill clients with daily care and support. These services can involve risks such as accidental injuries, property damage, or allegations of negligence. A liability claim can lead to legal costs and compensation payments.
Common situations that may result in a claim include:
- a client slips or falls during a home visit
- accidental damage to a client’s property
- allegations of professional negligence
- claims that appropriate care was not provided
- legal costs related to defending a liability claim
Home Health Care Liability Insurance can help Missouri providers manage covered legal and financial costs when a claim arises.
Who needs home health care liability insurance in Missouri?
BizInsure understands the insurance needs of Missouri’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 Missouri?
BizInsure offers Professional + General Liability Package made specifically for home care businesses in Missouri and across USA.
General Liability insurance
General Liability Insurance helps protect home care providers in Missouri against third party claims of bodily injury or property damage. It can help cover legal defense fees, compensation costs, and medical expenses related to your care services. We offer coverage up to $1 million per occurrence and $3 million in the aggregate.
Professional Liability insurance
Professional Liability insurance (also known as Medical Malpractice) for home care providers in Missouri protects against claims of negligence, errors, omissions in your care services. It can also cover claims of defamation, libel, slander, or privacy breaches. We offer coverage up to $1 million per occurrence and $3 million in the aggregate.
Workers Compensation Insurance
Workers’ Compensation Insurance helps cover medical expenses, rehabilitation costs, and lost wages when an employee suffers a work related injury or illness. Missouri employers may be required to carry workers’ compensation coverage depending on their business and number of employees.
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 Missouri 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
Missouri does not require a separate license for home health aides. Many aides work as Certified Nurse Aides (CNAs).
The typical requirements include:
complete a state approved CNA training program
pass the required competency evaluation
complete a criminal background check
meet the requirements for placement on the Missouri CNA Registry
Requirements can vary by role and employer. Check the Missouri Department of Health and Senior Services for current certification requirements.
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