Insurance for Home Healthcare Agencies in Minnesota
- Quick quote & immediate coverage
- Combined General Liability & Professional Liability Liability
- Competitive rates from $43.53/mo

Home Healthcare Agency insurance in Minnesota
Home healthcare agencies provide top-quality healthcare to their patients. Your team provides valuable support that allows patients to live in their own homes. But who provides that support for you?
BizInsure makes it easy and simple for home health agencies in Minnesota to find insurance to protect their finances and reputations. Quick and easy insurance for home health agencies is within reach from Minneapolis to Rochester.
Becoming a home health care provider in Minnesota
In Minnesota, home healthcare services are highly sought-after. If you’re looking to pursue a career in health care, this may be an excellent way to get into the field and make an impact on the health of patients throughout the North Star State.
According to the Bureau of Labor Statistics 2023 data, there are over 112,000 personal caregivers and home care aides in Minnesota.
The average income for home health aides and personal caregivers in Minnesota is $34,620. These workers make an average hourly wage of $16.64. Minnesota-St. Paul and Bloomington have an average annual salary of $34,610 and Rochester has a $35,310.
What do home health care providers in Minnesota need insurance?
Home health providers work closely with people who are elderly, have disabilities, and those who are chronically ill. Your services help these patients to live in safety within their homes. However, this can result in costly lawsuits or claims being made against you if something goes wrong.
Accidents happen. The cost of litigation and claims in the US is incredibly high, and if you are found liable, you may need to pay compensation to a patient or their family.
Liability insurance helps home health agencies and providers protect their finances and reputations, so they can focus on providing quality care to patients.
Home Healthcare Business Insurance in Minnesota
Home healthcare businesses and 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 healthcare businesses against third-party claims of injury and property damage. Your policy can cover the legal expenses and the cost of compensation up to the limits of the policy. General Liability insurance is also referred to as Commercial General Liability (CGL) or “slip and fall” coverage.
What is typically covered?
General Liability insurance provides coverage for lawsuits and claims triggered by:
- Injuries to third parties
- Property damage to property belonging to a third party
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
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, whether they are genuine or unjustified allegations. These types liability claims are often brought by clients who claim your work has led to financial loss. Professional Liability insurance policies are also sold as E&O insurance.
What is typically covered?
- Errors, mistakes or omissions in your professional services or advice
- Allegations of negligence
- Undelivered services or missed deadlines
- Breaches of contract
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 agencies may benefit from a variety of coverage options to protect their businesses from the unexpected.
BizInsure provides a Miscellaneous Medical Liability Package which combines the most common insurances home health care businesses typically consider.
The policy covers both Professional Liability and General Liability insurance. Cyber Liability insurance is also included, which protects you from malicious software attacks, data breaches and other events that could damage your business.
Who needs insurance for home health care insurance?
Minnesota is the home of a variety of healthcare professionals.
- Hospice Care Providers – Insurance can help safeguard your business and employees while you provide vital care services.
- 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 help home healthcare agencies to find liability insurance in Minnesota. Start a quote to compare policies in minutes!
How much does home healthcare insurance cost in Minnesota?
The cost of home care insurance in Minnesota home care insurance can differ from one business to another, based on factors such as :
- Qualifications and education of staff
- Business location
- Your claim history
- Coverage level
Comparing quotes from multiple insurance companies can help you find the right home healthcare insurance plan for your 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.
Professional Liability insurance – 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.
Cyber Liability 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 help home health aides and agencies find insurance to cover the risks that you encounter every day.
What are the home health care aide license requirements in Minnesota?
Minnesota laws require individuals and agencies that offer home care services to be licensed. There are two types of licenses available in the state:
- Basic Home Care Providers – May assist with daily living activities, food preparation, and shopping and provide reminders to take prescribed medications.
- Comprehensive Home Care Providers – May provide nursing, treatment and therapy, nutrition, and other specialty medical services.
A Minnesota comprehensive home care license is required for all home health agencies (HHAs) that are federally certified.
How do I get a home health care license in Minnesota?
To receive a home health care licensing in Minnesota, you will need to:
- Submit an application for either a Basic or Comprehensive Home Care license
- Submit the necessary documents and materials to support your application
- Complete and pass a background study (this is required for all owners, managers, RNs, and licensed health professionals named on the license application)
- Pay an application fee
You need a license from the Department of Health if you intend to perform skilled services in the state of Minnesota (services rendered by a qualified healthcare professional, such as a nurse or therapist) (MDH).