Insurance for Home Care Agencies And Providers in Minnesota
Designed for caregivers, agencies and healthcare professionals
Coverage for negligence, errors, patient injuries, property damage
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What does Home Health Care Liability Insurance cover in Minnesota?
Home Health Care Liability Insurance protects Minnesota 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 Minneapolis, St. Paul, Rochester, Duluth or anywhere across Minnesota, BizInsure offers industry-specific insurance solutions from leading insurers in one place.
Why do Minnesota home health care providers need insurance?
Home health aides assist the elderly, the disabled, and the chronically ill, helping patients live comfortably in their own homes. But accidents happen — and if you’re found responsible, you may be required to compensate the victim or their family. 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
Lawsuits and claims can quickly drain your bank account and put your career at risk. Home Care Insurance helps home health aides, home healthcare agencies and other care providers in Minnesota safeguard their finances, reputation, and livelihood.
Who needs home health care liability insurance in Minnesota?
BizInsure understands the insurance needs of Minnesota’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 Minnesota?
BizInsure offers Professional + General Liability Package made specifically for home care businesses in Minnesota and across USA.
General Liability insurance
General Liability insurance for home care providers in Minnesota protects against third-party claims arising from bodily injury or property damage as a result of care services. Covers legal defense fees, compensation costs. Coverage up to $1 million per occurrence / $3 million in the aggregate.
Professional Liability insurance
Professional Liability (also known as Medical Malpractice) insurance, covers allegations of negligence, errors, omissions, or failure to provide healthcare services. It can cover defamation, libel, slander and privacy breach claims. Coverage 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 Minnesota 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
Minnesota requires individuals and agencies offering home care services to be licensed, with two license types:
Basic Home Care Providers – May assist with daily living activities, food preparation, shopping, and medication reminders.
Comprehensive Home Care Providers – May provide nursing, treatment and therapy, nutrition, and other specialty medical services.
A Comprehensive Home Care license is required for all federally certified home health agencies (HHAs).
Submit an application for a Basic or Comprehensive Home Care license
– Submit supporting documents and materials
– Complete and pass a background study (required for all owners, managers, RNs, and licensed health professionals on the application)
– Pay the application fee
A license from the Minnesota Department of Health (MDH) is required to perform skilled services rendered by a qualified healthcare professional, such as a nurse or therapist.
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