Insurance for Home Care Agencies And Providers in New Hampshire
Tailored for home health insurance for aides and agencies
General Liability for third-party injury and property damage claims
Professional Liability covers errors, negligence and contract breaches
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What does Home Health Care Liability Insurance cover in New Hampshire?
Home Health Care Liability Insurance helps protect New Hampshire home health aides, caregivers, nurses and home care agencies against liability claims that may arise while providing care services. Coverage can include claims involving:
- Professional negligence while providing home health or personal care
- Third-party bodily injury or accidental property damage
- Legal defence costs associated with covered liability claims
- Alleged errors, omissions or failure to provide appropriate care
- Incidents arising while providing care in a client’s home
Whether you’re a home health aide or run a home care agency in Manchester, Nashua, Concord, Dover, Portsmouth or elsewhere in New Hampshire, BizInsure makes it easier to compare industry-specific insurance solutions from leading insurers in one place.
Why do New Hampshire home health care providers need insurance?
Home health care professionals provide essential support to elderly, chronically ill and disabled clients across New Hampshire. As a home health aide or home care provider, your work involves responsibilities that can expose you to liability risks. Accidents, property damage or allegations of professional negligence could result in costly claims or lawsuits.
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
- Claims involving injury while providing care or assistance
- Legal costs associated with defending a liability claim
Without appropriate insurance, these incidents could lead to significant legal expenses and financial loss. Home Health Care Liability Insurance in New Hampshire helps protect home health aides, agencies and other care providers against covered liability risks, helping safeguard their business and finances.
Who needs home health care liability insurance in New Hampshire?
BizInsure understands the insurance needs of New Hampshire’s home care industry and offers tailored coverage options for a range of home health care professionals 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 New Hampshire?
BizInsure offers Professional + General Liability Package made specifically for home care businesses in New Hampshire and across USA.
General Liability insurance
General Liability Insurance helps protect home care providers in New Hampshire against third-party claims involving bodily injury or property damage arising from your care services in clients’ homes or care facilities. We offer coverage up to $1 million per occurrence / up to $3 million in the aggregate.
Professional Liability insurance
Professional Liability (also known as Medical Malpractice) insurance is designed to cover claims alleging negligence, errors, omissions, or failure to provide care services. It can also cover claims for defamation, libel, slander, and privacy breaches. We offer coverage up to $1 million per occurrence / up to $3 million in the aggregate.
Sexual Abuse and Molestation
Sexual Abuse and Molestation coverage provides protection for home care providers in New Hampshire against allegations of abuse or molestation, including legal defense costs and legal claims. We offer coverage up to $100,000 per occurrence / up to $300,000 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 health care business insurance 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
In New Hampshire, home health care aides are licensed as Licensed Nursing Assistants (LNAs). To become one:
– Education – Complete a state-approved nursing assistant program (minimum 75 hours, classroom and clinical).
– Background Check – Pass a criminal background check.
– Competency Evaluation – Pass a written test and skills demonstration.
– Application – Submit an application to the New Hampshire Board of Nursing with your education and work history.
– Fees – Pay the required application fees.
– Licensing – Once approved, receive your LNA license to work as a home health care aide.
Requirements can change, so check with the New Hampshire Board of Nursing for current details. Individual employers may also have additional hiring criteria.
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