Insurance for Home Health Aides and Agencies in Kentucky
Designed for home health aides and care agencies
Covers third-party injuries, property damage, negligence claims
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What does Home Care Liability Insurance cover in Kentucky?
Home Care Liability Insurance can help protect Kentucky 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 Louisville, Lexington, Bowling Green, Owensboro, Covington, or elsewhere in Kentucky.
Why do Kentucky home health aides and agencies need insurance?
Providing care in a client’s home comes with day-to-day responsibilities and potential risks. Even a routine home visit can lead to an unexpected incident or claim. Kentucky home health aides and agencies may face risks involving client care, employee activities, supervision, and general business operations. Business insurance can help with eligible claims and associated legal defense costs.
Common risks include:
- A caregiver accidentally damages a client’s furniture or personal belongings
- A client claims that an error or oversight during care caused an injury
- A family member questions the quality or level of care provided
- An error or omission in client records results in a complaint or claim
- A client alleges that a professional service was performed incorrectly or incompletely
Who needs home care business insurance in Kentucky?
Whether you’re a solo home care provider or run an established agency, your insurance needs may differ based on the services you offer and how your business operates. BizInsure provides coverage options designed to fit your business and the care you deliver.
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 Kentucky
BizInsure offers a Miscellaneous Medical Liability Package tailored to home care providers. It brings together essential liability protections in one package, providing a convenient way to help protect your business from risks related to the services you provide.
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 Kentucky?
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 coverage 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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