Our A-rated carriers

The Hartford
Hiscox
CNA
Beazley

What does Home Health Care Liability Insurance cover in Washington?

Home Health Care Liability Insurance helps protect Washington home care agencies and professionals, including home health aides, caregivers, and nurses, from liability claims related to their services. Coverage can include claims involving:

  • professional negligence while providing home care or support services
  • third party bodily injury or accidental property damage
  • legal defense costs for covered liability claims
  • alleged errors, omissions, or failure to provide appropriate care
  • incidents that occur while providing home health or personal care services

Whether you operate in Seattle, Spokane, Tacoma, Vancouver, Bellevue, or elsewhere in Washington, BizInsure offers insurance options for home health care professionals and businesses.

A home care worker assisting a senior person at a home care agency

Why do Washington home health care providers need insurance?

Home health aides support elderly, disabled, and chronically ill clients in their homes. This work can involve risks that may lead to liability claims, lawsuits, and financial losses.

Common situations that may result in a claim include:

  • a client slips or falls during a home visit
  • accidental damage to a client’s property
  • allegations of professional negligence
  • claims that appropriate care was not provided
  • legal costs related to defending a liability claim

Without appropriate insurance, these incidents could result in significant legal and financial costs. Home Health Care Liability Insurance can help protect your business and finances when covered claims arise.

Who needs home health care liability insurance in Washington?

BizInsure understands the insurance needs of Washington’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 Washington?

BizInsure offers Professional + General Liability Package made specifically for home care businesses in Washington and across USA.

General Liability insurance

General Liability Insurance helps protect Washington home care providers against third party claims involving bodily injury or property damage due to care services. It can help cover legal defense costs and compensation. We offer coverage up to $1 million per occurrence and $3 million in the aggregate.

General Liability

Professional Liability insurance

Professional Liability Insurance, also known as Medical Malpractice Insurance, helps cover claims of negligence, errors, omissions arising from your care services. It can can also claims involving defamation, libel, slander, or privacy breaches. We offer coverage up to $1 million per occurrence and $3 million in the aggregate.

Professional Liability nurses

Sexual Abuse and Molestation

Sexual Abuse and Molestation coverage helps protect against allegations of abuse or molestation. It can help cover legal defense costs and claims arising from covered incidents. We offer coverage up to $100,000 per occurrence and $300,000 in the aggregate.

Sexual harassment Cover

Workers Compensation Insurance

Workers’ Compensation insurance in Washington helps cover medical expenses, rehabilitation costs, and lost wages if an employee suffers a work related injury or illness.

Workers Comp insurance

How much does home health care business insurance in Washington cost?

Combined Professional and General liability insurance for home health care agencies starts at $51 per month*.

home health care providers insurance cost

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.

Coverage levels to choose

  • Up to $1 million per occurrence
  • Up to $3 million in the aggregate

Coverage levels to choose

  • $1 million per occurrence
  • $3 million in the aggregate
  • Statutory Profession Requirements
  • Coverage required by contracts
  • Number of employees being covered
  • Your contract value
  • Worst case scenario claim size
bookkeeper cost

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.

Coverage levels to choose

  • Up to $1 million per occurrence
  • Up to $3 million in the aggregate

Coverage levels to choose

  • $1 million per occurrence
  • $3 million in the aggregate

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

What are the home health care license requirements in Washington?

Washington requires most long term care workers who provide home care services to become certified as home care aides, unless an exemption applies. The Washington State Department of Health oversees home care aide certification.

The main requirements include:

submit a home care aide certification application to the Washington State Department of Health
complete 75 hours of basic training through an approved program
complete the required state and federal background checks
pass the home care aide knowledge and skills examinations
obtain certification within the required timeframe

Home care agencies have separate licensing requirements. Agencies must submit an application, complete the required orientation, provide proof of commercial general liability insurance, complete background checks for required personnel, and pass the state licensing process.

Washington currently allows eligible home care aides up to 365 days from their date of hire to obtain certification under rules in effect through December 31, 2027. The 75 hour training requirement must still be completed within 120 days of hire.

Requirements can vary based on the type of care and your role. Check the Washington State Department of Health for the latest certification and licensing requirements.

Hear from our customers

4.8/5

very professional, high quality costumer services, polit

Elite Healthcare Service

A GOOD COMPANY FOR HEALTH CARE INC

Supreme A.

awsom service, perfect price and great policy

Central Home H.

I want to thank you for making my insurance search so simple and efficient. I also appreciated the easy communication options, which helped me make the right purchase decision. I’m really grateful for your company’s support!.

DULUTH HEALTHCARE

Great quality of Service ,faster and convenience way to pay at most. Thank you for your Service to my Healthcare Facility .

Panfilo Demayo, J

what a great coverage with an amazing price

Amerihealth Human S.

I follow the instructions & would prefer to paid every month. I did not have the options to pay every month.

Alamo H.

Small Business Insurance Experts

We are proud of our innovative insurance platform, outstanding team, and stellar workplace to have helped aspiring businesses to protect what matters most.