Home Health Care Insurance in Illinois

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Home Health Aide quotes

Home Health Agency quotes

Insurance for Home Health Aides in Illinois

Home health aides provide a high quality of care to their patients. Whether you work on your own or as part of an agency for home health you know how important it is for patients to be able to reside comfortably in their own homes. You are able to offer support to others but who is supporting you?  

BizInsure makes it easy for Illinois home health aides to get insurance that protects their small business. There are insurance options available for home-health aide agencies in every state, so no matter where you live or where you live, it doesn’t matter if you’re in Cincinnati or Cleveland or Toledo or Columbus.  

Why become a Illinois Home Health Aide?    

In Illinois the state, home health aides are highly sought-after. If you’re interested in a career in health care, this is an excellent way to get into the field and make a positive impact on patients across the Buckeye State.

According to 2021 data from the Bureau of Labor Statistics, Illinois has just under 2390 home care aides and personal aides. In the next few years, this number will likely increase. The number of home health aides in the country will increase by 25% between 2021 and 2030. This is faster than the average growth rate for all occupations of 8%.

Illinois home health aides and personal caregivers earn an average annual salary in the range of $26,710 and $12.84 an hour. Home health aides in Illinois may make more in larger cities than in rural areas or smaller metropolitan areas. The average annual salary for home health and personal assistance aides in Kansas is $24,140, and that of Mississippi is $20,980.

Why Illinois home care providers may need to consider insurance?    

Aides to home health provide support to the elderly, chronically ill as well as those who have disabilities. These patients can live in safety and comfort in their own homes by the services you offer. It could also cause you to be liable for costly legal claims, or lawsuits.  

Accidents do occur and if you’re held accountable, you could be required to pay the victim or their family. Claims and lawsuits are costly and can quickly destroy your finances and even ruin your career. Illinois home care insurance helps caregivers as well as home health aides to protect their finances.  

Did you Know?

General Liability insurance* provides coverage for both actual and unfounded claims of third parties 

Illinois Home Healthcare Business Insurance    

Many types of insurance for businesses are available to help healthcare assistants at home or other health professionals while they work.  

General Liability Insurance  

General Liability insurance protects businesses in case of third-party injury or property damage claims. Your policy covers legal expenses and the cost to fix the situation (up to the policy limits). These protections apply to claims that have merit and ones that don’t. General Liability insurance can also be sold as Commercial General Liability (CGL) or “slip and fall” coverage.  

What are the most common coverages?  

General Liability insurance protects against lawsuits and claims that are the result of:  

  • Infliction on the body health of a third party  
  • Third party- damage 

There is no requirement to prove a claim to your General Liability policy. It covers third-party claims without merit. Baseless claims can prove costly to resolve. A General Liability policy gives aids to home health and other agencies greater security when caring for patients. They also safeguard the financial assets of their clients.  

What’s not typically covered?  

The following events are not covered by the General Liability insurance policy  

  • Personal injuries at work and claims for workers’ compensation  
  • You could cause damage to your property  
  • Damage to property caused by intent of an unintentional damage to the property of  
  • Your work may be contaminated by errors or omissions.  

Other types of events are not covered by your General Liability Insurance. Your policy documents will provide full details about the coverage that is and is not included.  

Professional Liability Insurance

Professional Liability insurance* protects you from omissions or mistakes in your work that cause the client to lose funds. Also, you are protected from third-party claims for professional negligence. Both meritless and true claims are covered by a policy. Professional Liability insurance may be sold under the name of E&O (E&O) insurance* 

What are the most common coverages?  

Professional Liability insurance protects against legal costs, including settlements and judgements which can arise from:  

  • Expert services and advice could include errors, mistakes or mistakes  
  • Neglect accusations  
  • Undelivered services or missed deadlines  
  • Contracts that are breached  

These types of liability claims are typically brought by clients who assert that your work has caused them an economic loss. Professional Liability insurance covers your business even if the claim is unfounded  

What is not typically included?  

The types of events that are not included in Professional Liability insurance include:  

  • Infliction to the bodily health of a third party  
  • Property belonging to a third-party could be damaged  
  • Workers’ compensation claims, or personal workplace injuries  

For more details on Professional Liability coverage Please refer to the policy wording.  

Miscellaneous Medical Insurance for Home Care Providers  

Home health aides and organizations that provide home health care typically need more than one type insurance to protect their business from various risks. BizInsure also provides a Miscellaneous Legal Liability Package* which includes common coverages that home healthcare businesses will likely to look at. This includes General Liability and Professional Liability insurance. Cyber Liability* is also included to protect your company from data breaches, malware attacks, and other threats.  

Who is qualified for home health insurance?    

There are many health professionals who may require home care insurance in Illinois:  

  • Health Aids Subcontractors, independent contractors or sole proprietors may have to cover their employees and patients.  
  • Home Health Aide Agencies You can protect your small business as well as your employees with insurance for home health aide agencies.  
  • Other healthcare professionals Business insurance could be beneficial to nurses, physical therapists, and caregivers.  

BizInsure can help Illinois agencies as well as home health aides locate General Liability insurance and other coverage. Start a quote to compare policies in minutes!  

How much does Illinois home healthcare insurance cost?  

Costs for home care insurance in Illinois can vary based on who you are. This is due to the fact that every home health aide is different. Your insurance premiums will be determined by your company’s unique structure.  

Here are a few variables that you can use to calculate your business insurance premiums:  

  • Do you have the right qualifications and educational background – Have you been properly trained for your job? Are you qualified to be employed in Illinois as a healthcare professional?  
  • The city, town or county in which you work– care providers in cities, such as Dayton or Columbus, will possibly pay more than ones based in less populated areas.  
  • History of past claims This could lead to higher insurance rates for the future.  
  • The level of coverage you require – Higher premiums typically mean greater coverage. Some clients may need a minimum amount of coverage.  

How much does business insurance cost? Comparing quotes from a variety of insurance companies can help you locate a home healthcare insurance policy that suits both your business as well as your budget.

Frequently Asked Questions (FAQs)

What are the dangers that home healthcare providers face in Illinois?

Home health care providers in Illinois are highly qualified and offer excellent patient care. There are unique risks associated when working close to others at home. Insurance can help you to deal with the most common risks that you might encounter.  

  • General Liability Insurance A patient falls, resulting in a visit to the emergency room. While visiting a patient’s home you slip and break an expensive vase. These are two examples of claims that General Liability Insurance can assist with as a home-health aide.  
  • The ability to provide Professional Liability insurance is a key factor in the lives of patients and their families. You may be accused of negligence if you commit a mistake in your care or fail to live up the expectations of the patient.  
  • Cyber Liability insurance – Certain sensitive patient data may be stored by home healthcare organizations. Cyber Liability insurance can be helpful if you are the victim of an information leak or other malicious attack.  


BizInsure assists organizations as well as home health care professionals find the right business insurance to meet their unique requirements.  

What are the home healthcare aide license requirements in Ohio? How do I get a home healthcare license in Ohio?

There are no licensing requirements in Ohio for home healthcare aides. However, there are other requirements you need to meet to work in the state.

If you are working for a home healthcare agency in Ohio that is Medicare/Medicaid certified, you will need to:

  • Pass competency evaluation
  • Complete 75 hours of training
  • Complete 16 supporting hours of clinical training


You will likely receive ongoing training from the agency while you are employed there.

To work as a Medicaid-certified independent health aide in Ohio, you will need to:

  • Enroll with the Ohio Department of Jobs and Family Services
  • Obtain a state-level background check
  • Obtain an FBI background check (if you have lived in the state for less than 5 years)


After you’ve put in the hard work of becoming a home health aide, you’ll likely want to protect your career and the business you are building. Home healthcare business insurance in Ohio shields you against many of the common risks you could face on the job. It can help you work with more peace of mind, knowing that your finances are protected against costly claims and lawsuits.

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BizInsure has really come through for me on some really hard to place risks. Andrew takes the time to understand the risk and work through how we can make it work, rather than looking for ways to say no. Thank you for your help!
Carlos T.
18:06 16 Mar 23
Very helpful and explanatory on the policy line of the policy
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17:30 14 Mar 23
Worked with Tevin. Amazing customer service. Was very patient with me in figuring out the best insurance coverage for business. Thanks Tevin for making it easy.
Faisal O.
16:23 14 Mar 23
No complaints, Always a fast response when a need arises.
Dan F.
13:56 10 Mar 23
Very good information patience was shown. Much help from Kaled, satisfied with the amount of insurance and good coverage. Affordable is what you need with starting a small business until you grow. Old saying is go as you grow.
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21:53 20 Jan 23
Professionals at what they do! easy to navigate and very good people to lead to to the best coverage!
Magnifier 2.
20:37 17 Jan 23
I have been shopping for business liability insurance for several months. I am happy to share that BizInsure ranked #1! The representatives were polite, patient, and empathetic. They accomplished what most companies struggle with achieving: they did what they said they were going to do, they were on time, and they had empathy. They delivered a policy for 25% less than the closest competetor, and even included $50k of cyber security at no additional cost! I only write reviews when I receive exceptional experiences- highly revommended; keep up the great service BizInsure!P.S. I own a professional referral service in Hawai'i and I am going to see if BizInsure offers an affiliate program.Aloha!
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05:51 23 Nov 22
They respond quickly and give you quotes immediately ...
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23:55 09 Nov 22
The agent that I spoke to was very experienced and could tell that I was new at this and was very understanding and took the time to explain everything to me.
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00:04 15 Oct 22
Easy to work with and very responsive. Glad to have them as my broker.
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18:54 13 Sep 22
We’re very happy with BiInsured LLC. VERY AFFORDABLE
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19:20 11 Sep 22
Jasmine Q was on the spot professional, she knew where to direct me and explain to me my concerns and request; she delivered my personal information within minutes of me asking policy questions.That young lady is a true ROCK STAT!!!
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23:09 15 Aug 22
For a small non-profit, the package I was given was affordable. The representative was polite, patient, understanding, and knowledgeable.
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18:06 15 Aug 22
Asked for a specific venue to be place on our certificate of insurance and it was done within one business day. Yay! Bizinsure!
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17:02 01 Aug 22
The process was fast and easy and the professional staff was very knowledgeable with any questions that I had and ready to help
06:40 31 Mar 22
Friendly agents. Timely replies. Fair pricing. This is a good fit for my business! Thank you, Noah, for all your help.
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19:27 28 Mar 22
They are awesome
Tony H.
00:41 07 Jan 22
Noa made sure I had all the information I needed for a first time business owner . He helped me understand what I needed to secure a quality policy and he was super helpful when explaining how the policy would serve its purpose to my company. I was very satisfied and had an Awesome experience, I think people like that make the company look good!
Wayleen O.
04:36 15 Oct 21
I was in need of WC, GL and PL coverages for my business and was able to shop, discuss, confirm and purchase all the coverages in two days! This was a great experience, especially when "Time is Money". Noah Bowman was very professional and knowledgeable. Thanks!
AmeriCreed 1.
15:42 23 Sep 21
19:49 09 Sep 21
Their representative clearly explained different kinds of policies to help me select the one appropriate for my needs and then helped me enroll by phone painlessly. By the end of the call, I had a policy in place.
Dissent D.
22:21 02 Sep 21
Eugene was Awesome!!!!
Lakesha G
17:19 21 Jul 21
Excellent solution for writers and authors professional liability policy as well as coverage for copyright and trademark infringement. Service was prompt and excellent.
18:22 22 Jun 21
Done in less than an hour!
William O.
00:30 02 Jun 21
Efficient, and great value. The agent was able to give us a quote and a new policy in a short period of time. Thank you
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20:30 24 May 21
I had a great experiencing obtaining several of my insurance needs as a landscaping company here in Northern Colorado. BizInsure's team took care of my needs and was very responsive to help with paperwork needed to secure a potential client account!
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16:34 10 May 21
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Elba P.
18:50 26 Apr 21
I need a help getting errors and omissions insurance along with general liability. Jose was very friendly informative and was very patient with me during the process. He found me some of the best rates for the coverage that I needed. Highly recommend
Casper M.
19:51 20 Apr 21
I had numerous conversations with several business insurance agents over a month's time. I also had several conversations confirming the policy inclusion/exclusions and asked many questions. My BizInsure agent was professional, knowledgeable and most important—detail oriented. Even after having an initial conversation a month earlier he knew and *remembered* all my personal/professional insurance needs. When I asked for additional information on the third call he was able to provide me with details very quickly. He was also VERY patient. That is a big plus in my opinion. It illustrated a high level of respect for my needs. I also found when I called back and asked to talk with the initial agent, the person who answered the call was able to get in contact quickly and my agent responded and returned the call within 5-10 minutes. The transaction was smooth, and I think it's a good sign should I ever need to make a claim. I highly recommend BizInsure.
Poetic F.
21:00 07 Apr 21
The rep was extremely helpful actually lowered my quote and made sure I was covered to fit my needs with my growing business! 5star!!
Franklin B.
19:04 16 Mar 21
Excellent service and prices.
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23:13 09 Mar 21
Mr. Daniel Scott was very responsive to my professional needs.
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17:38 18 Feb 21
Eugene deserves a raise! First time purchasing insurance and he made the process so simple for me. His patience and attention to detail left me feeling confident in my decision to choose BizInsure. Gracias Eugene!
Esined P.
23:32 17 Feb 21
The customer service provided by Jose was outstanding. He explained everything in a very clear/logical way and answered all of my questions. After providing all the information to obtain general liability insurance, Jose sent me the declaration page of the insurance for review. All of the information matched what I provided over the phone and there were no typos. The next day I called back to purchase the insurance which was easy and fast. Overall, my experience with BizInsure including the customer service by Jose exceeded my expectations.
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03:29 12 Dec 20
Hiscox/BizInsure made getting Liability Insurance very easy and reasonable.I expected it to be a long and complicated process and it was a nice surprise that they made it so uncomplicated. Thank you. Lisa
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21:51 24 Nov 20
Eugene was incredible. I called 4 other brokers before him who were impossible to get any help.
rhonda H.
23:26 12 Nov 20
Very quick to get in touch with you and good with follow up. Had some trouble retrieving my quote to log into my account initially but Daniel assisted me and the changes were made to get me into my account. Great value for the money.
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16:34 20 Sep 20
Very happy to be insured with this company. Professional, Timely, very helpful. Thank you Juan, you made it so much easier for me to understand.
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01:52 12 Sep 20
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02:41 27 Aug 20
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Nancy S.
00:47 26 Aug 20
I was in need of professional liability insurance for my sole proprietorship. A friend referred me. Everythng was quick and simple and AFFORDABLE!
hope J.
20:31 25 Aug 20
If you need Private Home Care Provider insurance for your company, BizInsure, LLC can get it for you!
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16:45 24 Aug 20
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22:34 22 Jun 20
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21:51 04 Jun 20
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02:03 04 Jun 20
Anthony Spencer was great!! Very quick response time!! He was very Professional! I would suggest him because he helped me find a affordable rate and explained all the technicalities..
Fre H.
16:38 28 May 20
I was referred to Bizinsure by a industry trade group that I am a member of. It was easy to get a quote online and then received excellent customer service from Bradley H. to complete my policy purchase over the phone. I have shared this company information now with other business owners for their policy needs.
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22:11 08 May 20
This company was very precise with explaining services and made sure I chose the right business insurance coverage, great customer service at purchasing.
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01:30 05 May 20
Jasmine Q
14:31 02 Dec 19
Trish is the most patient, professional and understanding insurance agent I’ve ever worked with. Trish has taken care of all my business insurance needs for the last couple years. I am really happy that I found an insurance agent that I know will take care of me & all of my concerns. I feel like a valued customer & I appreciate the great customer service that I get every time!!THANK YOU!
Dr. Youssef C. A.
17:21 14 Nov 18
Tricia helped me get insurance for my business. The task of obtaining a quote was really starting to frustrate me until I was referred to BizInsure through a different agency. Tricia got me a quote fast, and even took a down payment over the phone and issued the proof of insurance the same day. a+ service, would do it again in a heartbeat!! Thank you!!
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18:07 22 Jun 18
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Mark W.
23:42 13 Nov 17
Great customer service. I've been very inpressed with my dedicated representative that had helped me navegate my insurence needs. Thanks so much!
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22:12 23 Jun 17

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