Insurance for Home Health Aides and Agencies in Vermont
Designed for home health aides and care agencies
Covers legal costs, injury, property damage and negligence claims
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What does Home Care Liability Insurance cover in Vermont?
Home Care Liability Insurance can help protect Vermont home care providers against claims related to client care and professional services. Coverage may help with claims involving client injuries, property damage, professional negligence, and related legal costs.
It can help with situations such as:
- A caregiver accidentally damages furniture during a home visit
- A client alleges that a mistake in their care caused an injury
- A family member raises concerns about the care provided
- An error in client records results in a complaint or claim
- A client alleges that a professional service was not performed correctly
BizInsure offers insurance options for your home care business, whether you operate in Burlington, South Burlington, Rutland, Barre, Montpelier, or elsewhere in Vermont.
Why do Vermont home health aides and agencies need insurance?
When you provide care in a client’s home, even a routine visit can result in an unexpected claim. Vermont home health aides and agencies face risks related to client care, employee activities, supervision, and everyday business operations. Business insurance can help cover eligible claims and legal defense costs.
Common risks include:
- A caregiver accidentally damages a client’s furniture during a home visit
- A client alleges that an error in their care resulted in an injury
- A family member raises concerns about the quality of care provided
- An error in client records leads to a complaint or claim
- A client alleges that a professional service was not performed correctly
Who needs home care business insurance in Vermont?
Whether you’re an independent home care provider or operate an established agency, your insurance needs can vary depending on your services and operations. BizInsure offers coverage options designed to suit your business and the care you provide.
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 Vermont
BizInsure offers a Miscellaneous Medical Liability Package designed for home care providers. It combines key liability protections into a single package, giving providers a convenient way to help protect their business against risks associated with their services.
General Liability insurance
Protects home care providers in Vermont against third-party claims involving bodily injury and property damage. Covers legal defense fees, compensation costs, and medical expenses arising from your care services in clients’ homes or care facilities. Coverage available up to $1 million per occurrence / $3 million in the aggregate.
Professional Liability insurance
Also known as Medical Malpractice insurance, Professional Liability insurance covers allegations of negligence, errors, omissions, or failure to provide home care services. It can also cover claims for defamation, libel, slander, and privacy breaches. Cover available 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 care insurance cost in Vermont?
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 cover 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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