Insurance for Home Health Care Providers
in Minnesota

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Home Health Aide quotes

Home Health Agency quotes

Home Health Aide and Agency insurance in Minnesota

Home Health Aides provide top-quality healthcare to their patients. You are aware of the importance of people being able to live in their own homes, whether you are working alone or with a team. It is crucial to provide support for other people, but who provides that support for you?

BizInsure makes it easy and simple for Home Health Aides and Agencies in Minnesota to find insurance to safeguard their small-scale business. No matter where you live – from  Minneapolis to Rochester – insurance for Home Health Agencies is within reach.

Why should you consider being a health care professional in Minnesota?

In Minnesota, Home Health Aides are highly sought-after. If you’re looking to pursue a career in health care, this is an excellent way to get into the field and make an impact on the health of patients throughout the The North Star State.

According to the Bureau of Labor Statistics 2021 data, Minnesota is home to approximately 108,000 personal caregivers and home care aides. Over the next few decades, this number will increase. The country’s home health aids will increase by 25% between 2021-2031.

Minnesota’s average income for home health aides and personal caregivers is $30,320. These workers make an average hourly wage of $14.58. Minnesota home health aides might earn more in larger cities than they do in rural areas or smaller metropolitan areas. Minnesota-St. Paul and Bloomington have a salary of $30,600 and Rochester has a $30,830.

What are the reasons why home health care providers in Minnesota require insurance?

Home Health Aides work closely with people who are elderly, have disabilities, as well as those who are chronically ill. Your services aid these patients to live in safety within their homes. But unfortunately, this can result in expensive lawsuits or claims being made against you if something goes wrong.

Accidents do happen and if you are liable for one, you may be liable to compensate your patient or their family.

The cost of litigation and claims in the US is incredibly high. You could be left with no money and ruin your career.

Home care insurance helps Home Heath Aides and providers protect their finances when these claims arise so they can go on supporting the Minnesota community.

Did you know?

General Liability insurance offers coverage against claims that are not substantiated.

Home Healthcare Business Insurance in Minnesota

Home health care workers and healthcare professionals often look at various kinds of insurance for their business to protect them as they perform their duties.

General Liability Insurance

General Liability insurance protects Home Health Aides and their businesses against third-party claims of injury and property damage. Your policy can cover the legal expenses and the cost of fixing the situation up to the limits of the policy. These protections apply to claims that do and don’t have merit. General Liability insurance is also referred to as Commercial General Liability (CGL) or “slip and fall” coverage.

What are the most common types of coverage?

General Liability insurance provides coverage for lawsuits and claims triggered by:

  • Injuries to third parties
  • Property damage to property belonging to a third party

Claims do not have to be true in order to be made against your business. These situations are often stressful and can very expensive. Thankfully, General Liability insurance covers you for situations that involve false claims.

What isn’t covered?

Your General Liability policy will not be able to cover certain events, like:

  • Personal workplace injuries and workers’ comp claims
  • Damage to your own property
  • Intentional damage to a third party’s property
  • Errors or mistakes in your work


The General Liability policy may not cover certain events. You will find the complete details of your coverage in the policy documents.

Professional Liability insurance

Professional Liability Insurance protects you from mistakes or omissions made by you in your work that can cause your client to lose money.

It also protects you from third party claims of professional negligence. A policy will provide protection against both genuine and unjustified claims. Professional Liability insurance policies are also sold as E&O insurance.

What is typically covered?

Professional Liability Insurance covers legal expenses (including judgments and settlements) which could arise from:

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


These types liability claims are often brought by clients who claim your work has led to financial loss. Insurance policies for Professional Liability offer coverage even if there is no evidence to support the claim.

What is not usually covered?

Events that aren’t covered by Professional Liability insurance are:

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

Please refer to the policy’s wording for full details on what is and is not covered by your Professional Liability insurance.

Miscellaneous Medical Liability Package to cover home health care providers

Home Health Aides and other agencies providing home care often require more than one kind of insurance to protect their business from various risks.

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

The policy covers both Professional Liability and General Liability insurance. Cyber Liability insurance is also included, which protects you from malicious software attacks, data breach and other events that could damage your business.

Who needs insurance for home health care?

Minnesota is the home of a variety of healthcare professionals.

  • Home Health Aides – Independent contractors, subcontractors and sole proprietors may need insurance to safeguard themselves and their clients.
  • Home Health Care Agents – Protect your business and employees by insuring your home healthcare agency.
  • Other Healthcare Professionals – Nurses, physical therapists, carers, and other healthcare professionals might also be able to gain from having insurance for business.

BizInsure can assist Minnesota agencies and Home Health Aides to find General Liability insurance as well as other insurance policies. Start a quote to compare policies in minutes!

How much does Home Healthcare insurance cost in Minnesota?

The cost of Minnesota home care insurance can differ from one person to another. This is due to the fact that each home healthcare aide has different circumstances.

The factors used to calculate premiums for business insurance include:

  • Do you have the right qualifications and education – Are you adequately trained for the job? Are you qualified to be employed in Minnesota as a healthcare provider?
  • Wherever you live – Care providers who are based near cities such as St. Paul and Rochester’s will likely be paid more than those in counties or towns that are smaller.
  • Your claim history – A collection of previous claims could lead to higher premiums in the near future.
  • The level of coverage you need – More expensive premiums are typically associated with more coverage. Clients might require you to provide the minimum amount of coverage.


How much does business insurance cost? Comparing quotes from multiple insurance companies can help you find the right home healthcare business insurance plan for your small business.

Frequently Asked Questions (FAQs)

What are the risks for home healthcare providers in Minnesota?

Minnesota home healthcare providers provide excellent care to their patients. Being in close contact with other people at their homes could pose unique risks. Insurance can mitigate many of your most frequent risks.

  • General liability insurance – A patient slips and falls, which requires a trip to an emergency room. Accidentally, you knock over and break a vase inside the patient’s house. Two examples of claims that General Liability Insurance may be able to assist as a home-health aide.
  • The quality of your expertise and knowledge are crucial to the patients and their families. A negligence lawsuit may be brought against you or another professional liability claim if you commit mistakes or do not satisfy their expectations.
  • Insurance healthcare agencies are able to store sensitive patient information. If you experience a data breach or other malicious attack Cyber Liability insurance can assist you in repairing the damage done you business.

BizInsure can assist agencies and home health aids locate insurance for businesses to cover the risks that you encounter every day.

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

Minnesota does not require licensing for home-care assistants. There are however additional requirements you must be able to meet in order to work in the state.

You must be certified when you are employed by a Medicare/Medicaid certified Minnesota home health agency.

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

The agency is likely to provide ongoing training while you work there.

You must be certified by Medicaid to work as an independent health aide in Minnesota.

  • You can enroll in the Minnesota Department of Jobs and Family Services
  • Get a background check at the state level
  • If you’ve been in the state for less than 5 years, get an identity check with the FBI

After you have worked hard to become an aide at home, you will need to safeguard yourself and your business. Minnesota offers home healthcare business insurance that guards against the most common dangers. You can work more comfortably knowing your finances are secured from expensive lawsuits and claims.

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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!
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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.
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16:23 14 Mar 23
No complaints, Always a fast response when a need arises.
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13:56 10 Mar 23
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21:53 20 Jan 23
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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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23:09 15 Aug 22
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17:02 01 Aug 22
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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
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00:41 07 Jan 22
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04:36 15 Oct 21
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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.
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22:21 02 Sep 21
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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
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16:34 10 May 21
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18:50 26 Apr 21
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19:51 20 Apr 21
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21:00 07 Apr 21
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23:13 09 Mar 21
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17:38 18 Feb 21
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23:32 17 Feb 21
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23:26 12 Nov 20
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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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Nancy S.
00:47 26 Aug 20
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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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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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Jasmine Q
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17:21 14 Nov 18
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23:42 13 Nov 17
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22:12 23 Jun 17

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