Insurance for Home Health Aides and Agencies in Rhode Island
Designed for home health aides and agencies
Coverage for third-party claims or injury, damage and negligence
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What does Home Care Liability Insurance cover in Rhode Island?
Home Care Liability Insurance helps protect Delaware providers against claims arising from client care and professional services. Coverage can help with client injury, property damage, professional negligence, and related legal costs.
It can help you for:
- A caregiver accidentally damages furniture during a home visit
- A client alleges that a care mistake caused an injury
- A family member raises concerns about the care provided
- A mistake in client records leads to a complaint
- A client alleges that a professional service was not performed correctly
BizInsure offers insurance options for your home care business, whether you operate in Wilmington, Dover, Newark, Middletown, Milford, or elsewhere in Delaware.
Why do Delaware home health aides and agencies need insurance?
When you provide care in a client’s home, even a routine service can lead to an unexpected claim. Home health aides and agencies also face unique risks from their care services involving employees, supervision, and daily operations. Business insurance helps cover claims and legal defense costs.
Common risks include:
- A caregiver accidentally damages furniture during a home visit
- A client alleges that a care mistake caused an injury
- A family member raises concerns about the care provided
- A mistake in client records leads to a complaint
- A client alleges that a professional service was not performed correctly
Who needs home care business insurance in Delaware?
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 Delaware
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 Rhode Island 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 Rhode Island 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 Delaware?
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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