Insurance for Home Care Agencies And Providers in Tennessee
Protect your home care business, livelihood and finances
Covers negligence, errors, omissions, injury and property damage claims
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What does Home Health Care Liability Insurance cover in Tennessee?
Home Health Care Liability Insurance protects Tennessee home care agencies and professionals, including caregivers, hospice workers and nurses, from liability claims tied to the care they provide. Coverage can include claims involving:
- Professional negligence while providing care or support services
- Third-party bodily injury or accidental property damage
- Legal defence costs for covered liability claims
- Alleged errors, omissions, or failure to provide appropriate care
- Incidents occurring during home health or personal care visits
No matter where you’re based — Nashville, Memphis, Knoxville, Chattanooga or anywhere else in Tennessee — BizInsure connects home health aides and agencies with tailored coverage from top insurers, all in one place.
Why do Tennessee home health care providers need insurance?
Caring for the chronically ill, elderly, and disabled comes with real risk. Your services let patients live safely at home, but a single incident can expose you to a costly lawsuit or liability claim.
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
- Misunderstandings about the care or services provided
- Legal costs associated with defending a liability claim
If you’re found responsible for an accident, you may owe compensation to the patient or their family — and legal costs alone can threaten your income or your career. Tennessee home care insurance helps caregivers and home care agencies protect their financial health so they can keep serving clients with confidence.
Who needs home health care liability insurance in Tennessee?
BizInsure understands the insurance needs of Tennessee’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 Tennessee?
BizInsure offers Professional + General Liability Package made specifically for home care businesses in Tennessee and across USA.
General Liability insurance
Protects home care providers in Tennessee against third-party claims involving bodily injury or property damage. Covers legal defense fees, compensation costs and medical expenses arising from care services in clients’ homes or care facilities. Coverage up to $1 million per occurrence / $3 million in the aggregate.
Professional Liability insurance
Professional Indemnity insurance (also known as Medical Malpractice insurance) covers allegations of negligence, errors, omissions, or failure to provide care services. It can also cover defamation, libel, slander and privacy breach claims. Coverage up to $1 million per occurrence / $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 health care business insurance in Tennessee 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
Tennessee refers to home health care aides as Certified Nursing Assistants (CNAs). To become licensed:
Complete a state-approved CNA training program – Offered through community colleges, vocational schools, and some healthcare facilities, combining classroom instruction with hands-on clinical work
Submit an application – To the Tennessee Department of Health, with personal details, training records, and applicable fees
Pass the competency exam – Tests nursing assistance knowledge and skills; required for licensure
Background check – State and federal criminal background check, including fingerprinting
Maintain your license – Renew every two years and complete required continuing education hours
Requirements can vary — check the Tennessee Department of Health website for the latest details.
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