Insurance for Home Care Agencies And Providers in Wisconsin
Protect your home care business, livelihood and financial security
Coverage for errors, negligence, third-party injury and property damage
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What does Home Health Care Liability Insurance cover in Wisconsin?
Home Health Care Liability Insurance protects Wisconsin home care agencies and professionals like caregivers, hospice care and nurses. It helps cover liability claims arising from your care services. 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 while delivering home health or personal care services
Whether you’re operating in Madison, Milwaukee, Green Bay, Kenosha or anywhere across Wisconsin, BizInsure offers industry-specific insurance solutions from leading insurers in one place.
Why do Wisconsin home health care providers need insurance?
Home health aides work closely with the elderly, people with disabilities, and the chronically ill, helping patients stay comfortably and safely at home. But if something goes wrong, you could face a lawsuit or costly liability claim. Common situations that may lead to a claim include:
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
Litigation and claims can be expensive, straining your finances and putting your career at risk. Home Care Insurance helps home health aides, home healthcare organizations, and other care providers in Wisconsin safeguard their financial security.
Who needs home health care liability insurance in Wisconsin?
BizInsure understands the insurance needs of Wisconsin’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 Wisconsin?
BizInsure offers Professional + General Liability Package made specifically for home care businesses in Wisconsin and across USA.
General Liability insurance
Protects home care providers in Wisconsin 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. Cover up to $1 million per occurrence / $3 million in the aggregate.
Professional Liability insurance
Also known as Medical Malpractice insurance, covers claims alleging negligence, errors, omissions, or failure to provide professional home care or healthcare services. Also covers defamation, libel, slander and privacy breach claims. Cover 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 Wisconsin 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
Education and Training – Complete an approved training program covering personal care skills, infection control, basic nutrition, and communication skills (available at vocational schools, community colleges, and some healthcare agencies)
– Background Check – Fingerprinting and a criminal records check
– Competency Evaluation – Pass a written exam and practical skills demonstration
– Application – Submit an application, training completion certificate, and fees to the Wisconsin Department of Health Services
– Licensing and Renewal – Licenses are typically valid for two years and require continuing education for renewal
Requirements may vary — contact the Wisconsin Department of Health Services for the most current details.
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