Home care and caregiver business insurance

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Home Health Aide quotes

Home Health Agency quotes

Insurance for Home health aides and agencies in Michigan

Home Health Aides offer the best care possible for their patients. It doesn’t matter if you are alone or in a group, you are aware of how crucial it can be for patients to be able to live at home. While it is vital to provide support for other people, who provides that assistance for you?

BizInsure makes insurance easy for Michigan Home Health Aides to get small-business protection. There are insurance options available for Home Health Aides and Agencies in every city no matter where you live, whether you’re in Detroit or Grand Rapids or Warren city or Sterling Heights.

What are the reasons to become a Home Health Aide in Michigan?

According to the Bureau of Labor Statistics 2021 data, Michigan has about 79,170 personal caregivers and home care aides.This number is expected to rise over the next few years. Between 2021 and 2031, the number of home health aids in the country will rise by 25%.

Michigan’s average salary for personal caregivers and home health aides is $27,490, with an average hourly wage of $13.22. Michigan home health aides may earn more in large cities than in rural areas, or in smaller metropolitan areas. The average salary for personal and home care aides in Michigan is $27,630 in Detroit, and $27,920 in Grand Rapids.

Why is insurance essential for Michigan home health care providers?

Home Health Aides provide support for the elderly, chronically sick, and those with disabilities. Your services help patients live comfortably and safely in their homes. However, this could also expose you and your business to expensive legal claims or lawsuits.

Accidents do occur. If you are held liable, you could be required to pay the victim or their family. These lawsuits and claims can be costly. This can rapidly drain your bank account and possibly ruin your career.

Home care insurance helps health aides, agencies, and other health providers protect their money and business.

Did you know?

General Liability insurance protects against unsubstantiated claims made by third parties.

Michigan Home Healthcare Business Insurance

Home Health Aides and other health professionals might consider a variety of business insurance options to protect them as they perform their duties.

General Liability Insurance

General Liability insurance helps protect home health care businesses against third-party claims of injury and property damage.

Your policy is designed to cover the legal expenses and the cost to fix the situation (up to the policy limits). These protections apply to claims that do have merit and those that do not. General Liability insurance is also sold as Commercial General Liability (CGL) or “slip and fall” coverage.

What is usually covered?

General Liability insurance provides coverage for claims and lawsuits that result from:

  • Third-party bodily injury
  • Third-party property damage


Sometimes, claims can be made that are not legitimate. This can often be frustrating and expensive experience. Fortunately, General Liability insurance can cover you and your finances if the claim is real or not.

What isn’t covered?

These kinds of events are not covered by your General Liability Policy

  • Personal workplace injuries and workers’ compensation claims
  • Your own property that is damaged
  • Intentional damage to third party property
  • Mistakes or errors in your work


Your General Liability policy may not be able to cover certain situations. The policy documents will give the complete details on the coverage available.

Professional Liability Insurance

Professional Liability insurance protects you from omissions or mistakes within your work which cause the client to lose funds. It also protects you from third party claims of professional negligence. True and meritless claims are protected by this policy. Professional Liability insurance can also be offered as Errors and Omissions (E&O) insurance.

What are the most common types of coverage?

Professional Liability insurance protects against legal costs (including settlements and judgments) that could result from:

  • Errors, mistakes or omissions in your professional services or advice
  • Allegations of negligence
  • Undelivered services or missed deadlines
  • Breaches of contract


These kinds of claims are typically brought by clients who assert that your work has caused them an economic loss. Professional Liability insurance policies provide protection even if there’s no evidence to support the claim.

What isn’t typically covered?

The following events are excluded from Professional Liability insurance:

  • Third-party bodily injury
  • Damage to a third party’s property
  • Personal workplace injuries or workers’ comp claims

Check the policy’s language to learn more about Professional Liability insurance.

Miscellaneous Medical Liability Package for Home Health Care Providers

Home Health Aides and other organizations that provide home health care typically need more than one type of insurance to protect their business from different risks.

BizInsure offers a Miscellaneous Medical Liability Package which combines the most common insurances home health care businesses typically look at.

This includes General Liability and Professional Liability insurance, as well as Cyber Liability insurance to help protect you against malware-related attacks as well as data breaches, among other events that could harm your business.


Who needs insurance for home health care?

Michigan is home to numerous healthcare professionals who may require home care insurance.

  • Health Aids – Independent contractors, subcontractors or sole proprietors might need to be covered for their employees and patients.
  • Home Healthcare Agencies – Secure your small business, as well as your employees, with insurance for home health agencies.
  • Other Health Professionals – Physical therapists and carers are just some of the healthcare professionals that may benefit from having business insurance.

BizInsure provides a variety of insurance options for Michigan home health agencies. Start a quote to compare policies in minutes!

What is the cost of Home Health Aide insurance in Michigan?

The cost of home healthcare insurance in Michigan will differ between one business to another.

Some factors that are used to calculate premiums for business insurance are:

  • What are your educational and professional qualifications? Are you well-trained to do the job? Do you have the right licenses to operate as an Michigan health care provider?
  • Where you live – Care providers who reside near major cities such as Detroit and Grand Rapids are likely to be paid more than those who reside in smaller towns or counties.
  • Your claim history – An accumulation of past claims may result in more expensive premiums in the near future.
  • The level of coverage you require – Higher coverage usually implies higher rates. Customers may need to have minimum coverage.


Are you interested in knowing how much business insurance is going to cost you? Comparing quotations from multiple insurance companies will help you understand the expense of insurance for your home health care business.

Frequently Asked Questions (FAQs)

What are the potential risks for Michigan's home healthcare providers?

Michigan home health care providers in Michigan are highly qualified and offer excellent customer treatment. There are unique risks associated with working in close proximity to others at home. Insurance can help manage many of your most common risks.

  • General Liability insurance A patient falls and slips and requires an ambulance room. When visiting the home of a patient you slip and break an expensive vase. These are just two types of claims you may encounter when providing home health aide services. General Liability insurance can help.
  • The quality of your expertise and knowledge are important to the patients and their families. A negligence lawsuit may be filed against you, or other professional liability claims could be filed if you make mistakes or do not satisfy their expectations.
  • Cyber Liability insurance- Home healthcare agencies may store sensitive patient information. Cyber Liability insurance is available to assist you in recovering from data breaches, malicious attack or any other harm to your company.

BizInsure can assist organizations and home health aides locate business insurance that can address the specific dangers you face each day.

What are the home health care aide license requirements in Michigan? How do I get a home health care license in Michigan?

Michigan does not have licensing requirements for home health aids. There are other requirements that you must meet to be able to work in the state.

The following requirements must be met for those who want to work at a Michigan-based home health agency that is Medicare/Medicaid approved:

  • Pass competency evaluation
  • Completing 75 hours of training
  • Complete an additional 16 hours of training in clinical practice

When you work with the agency, it is likely that you’ll receive regular training.

You will need to be certified by Medicaid to work as an independent health aide in Michigan.

  • Make an appointment with the Michigan Department of Jobs and Family Services
  • Conduct a background check at the state-level
  • Get a background investigation from the FBI (if you’ve been living in the state for less than 5 years).

You’ll want to protect your job and the business you have built after you’ve worked hard to become a home healthcare aid. Michigan home healthcare insurance protects you from many common risks that you might face when working. This insurance can increase your confidence and allow you to perform your job.

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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
Josua V.
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.
Jacquelynn W.
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.
lotanga J.
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
Paul A. F.
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!!!
Shaka 3 Z.
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.
Gertrude R.
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!
Melinda S.
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.
Beth Anne V.
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
Brenda J.
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!
Arik S.
16:34 10 May 21
Very efficient they were able to help me out with my request promptly....highly recommend this companyI am very happy to have them
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.
Cassiopée V L.
23:13 09 Mar 21
Mr. Daniel Scott was very responsive to my professional needs.
Stephanie W.
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.
Joe W.
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
Lisa W.
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.
Fran S.
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.
Aileen D.
19:55 15 Sep 20
This company responded when I needed them to respond while facing a deadline. They are an excellent choice for business Insurance.
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01:52 12 Sep 20
Jose Quintero took such great care of me and was very patient explained everything I did not understand and got me set up quickly. Fabulous customer service
Christina R.
02:41 27 Aug 20
I can't say enough good things about Daniel Santos kind and effective communication skills as an insurance agent. Daniel was so pleasant, friendly and efficient with helping me obtain insurance as a teacher. If I were to give Daniel a grade, he has earned an At . He made the process easy to understand, it was far easier than what I anticipated. Nancy S.
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!
Pamela C.
16:45 24 Aug 20
Great and fast service!!!! The representative was very professional!!!!
Tanya S.
19:51 14 Jul 20
I was tryi9ng to find commercial liability insurance for my new comp-any and BizInsure was easy to use and very affordable which is great for me as a new business.
Jimmy S.
19:01 14 Jul 20
Great service insurance prices are great for professionals looking to get insurance for businesses....
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22:34 22 Jun 20
The provided very professional service and made the process easy.
Paul R.
21:51 04 Jun 20
Bradley Hoyle from the Biz Insure team was excellent to work with. Everything was quick and smooth. Great service, much appreciated!
Kristene S.
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.
Dawn T.
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.
Nekeisha B.
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!!
Josh M.
18:07 22 Jun 18
BizInsure was a great find! I did not have to fill out applications, and Tricia was able to quote and bind business insurance for me within half an hour.
Allison Y.
17:28 21 Jun 18
Started doing business again and needed a policy fast. Ramez was reasonable, helpful and the rates are OK. Buyer beware? Sure, for me it turned out OK this time. Worth a call.
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!
Graham B.
22:12 23 Jun 17

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