Insurance for Home Care Agencies And Providers in South Dakota
Helps protect South Dakota home care providers from costly claims
General Liability covers third-party injuries and property damage
Professional Liability covers negligence, errors and missed services
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What does Home Care Liability Insurance cover in South Dakota?
Home Care Liability Insurance helps protect South Dakota home care providers from claims arising from client care and professional services. It can cover you for:
- A client being injured during a home visit
- Allegations of negligent or inadequate care
- Errors or omissions in professional services
- Accidental damage to client property
- Legal defense costs
BizInsure offers coverage solutions across Sioux Falls, Rapid City, Aberdeen, Brookings, Watertown, and other South Dakota communities.
Why do South Dakota home health aides and agencies need insurance?
hen you provide care in a client’s home, even a routine task can lead to an unexpected claim. Home health aides are exposed to lawsuits from their own services, while agencies face risks involving employees, supervision, and daily operations.
Common risks include:
- A client falling during a transfer or home visit
- Accidental damage to a client’s property
- Client complaints about the care received
- An employee being injured while assisting a client
- Claims involving an employee’s actions
Who needs home care business insurance in South Dakota?
BizInsure understands the insurance needs of South Dakota home care businesses and independent professionals. We offer tailored insurance solutions to a broad range of healthcare modalities and professionals.
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 South Dakota
The Miscellaneous Medical Liability package offers combined coverage for home care and healthcare professionals into one policy package.
Professional Liability insurance
Professional Liability insurance, also known as Medical Malpractice insurance, helps South Dakota home care providers respond to claims of professional negligence, errors, omissions in the services provided. It can also cover defamation, libel, slander, and privacy breaches. We offer coverage 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 South Dakota?
General Liability Insurance starts at $27 per month. A combined 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 flexible coverage levels to match your South Dakota home care business 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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