New Mexico Caregiver and
Home Health Business Insurance

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Home Health Aide quotes

Home Health Agency quotes

Home Health Aide Insurance in New Mexico

Home Health Aides provide the highest quality of care to their patients. Whether you work independently or as part of a home healthcare agency, you understand how important it is for patients to be able to live comfortably in their own homes. While it is essential to help others, you also to consider support for yourself as well.

This is where BizInsure can help by making it simple and easy for Home Health Professionals in New Mexico to compare insurance quotes online and purchase insurance that will reduce the risks to their small business. Insurance options are available for home-health aid agencies across every state, so no matter which state you reside in or work in, whether it’s Roswell or Cleveland or Deming or Taos, Farmington can help you reduce your risk via Home Health Care insurance

Why you may consider becoming an New Mexico home health worker?

Home Health Aides are in high demand across every US state, including New Mexico. This could be an excellent way to get into healthcare and improve the lives of patients in New Mexico.

According to the Bureau of Labor Statistics, New Mexico has 33,680 personal care aides and home health aides. In the next few years, this number will likely increase. The number of home health aides in the country is expected to grow 25% between 2021-2031. This is faster than the average growth rate for all occupations of 8%.

New Mexico home health aides and personal caregivers earn an average annual salary in the range of $25,120 to $12.08 an hour. New Mexico home health aides might earn more in larger cities than in rural areas or smaller metropolitan areas. The average annual salary for personal and home care aides in Albuquerque is $26,330, and Santa Fe’s is $26,870.

Why is insurance essential for New Mexico home care providers?

Home Health Aides at home are able to work with individuals who are disabled, elderly or chronically sick. Your services aid these patients to live in safety and in the comfort at their homes. You could be sued or face expensive liability if you don’t reduce your risk with.

Accidents are bound to happen, and you might be required to compensate the patient or their family members. It can be costly to file lawsuits or an insurance claim. This could quickly drain your bank accounts and even end your career. New Mexico offers home care insurance which assists aids in home health care, home-health agencies, and other care providers to protect their financial security.

Did you know?

General Liability insurance provides coverage for both actual and unfounded claims of third parties.

New Mexico Home Healthcare Business Insurance

Home Health Aides and other healthcare professionals, often look into various kinds of insurance for businesses to protect themselves as they perform their job.

General Liability Insurance

General Liability insurance protects businesses from third-party claims for injury or property damage. Your policy covers legal costs as well as the costs of resolving the issue (up to the limits of your policy). The protections are available for meritorious claims as well as those with no merit. General Liability insurance can be referred to as Commercial General Liability (CGL), “slip and falls” coverage.

What topics are covered the most frequently?

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

  • Injuries to third parties; and
  • Third-party property damage.


For your General Liability insurance to safeguard you, a claim doesn’t have to be true. It also protects third-party claims that have no merit. These claims can be difficult to settle. Home health agencies and aides can feel more secure knowing their financial security is covered by a General Liability policy.

What isn’t included?

These events are not covered under your General Liability policy:

  • Personal workplace injuries, workers’ compensation claims.
  • Property damage.
  • Intentional damage to property by third parties.
  • Mistakes and errors in your work.


There may be other events that are not covered by your General Liability insurance that aren’t included in this list. Complete details about coverage will be provided in your policy documents.

Professional Liability Insurance

Professional Liability insurance covers mistakes or omissions in your work which cause the client to lose funds. You are also protected against third-party claims arising from professional negligence. It covers legitimate as well as valid claims. Professional Liability insurance can be sold under the name of E&O (E&O) insurance.

What is typically covered?

Professional Liability insurance protects against legal costs such as settlements or judgments.

  • Errors, mistakes or omissions in your professional advice or advice.
  • Allegations of negligence.
  • Services not delivered or deadlines missed.
  • Breaches of contract.


These kinds of claims usually come from customers who claim that your actions resulted in financial losses for them. Even if the claim against you is not baseless Professional Liability insurance policies can provide protection

What is not normally included?

These events are not covered under Professional Liability insurance:

  • Injury to the third-party.
  • Damage to a third party’s property.
  • Workers’ comp or personal workplace injury.


Check the policy wording to learn more about Professional Liability insurance.

Miscellaneous Medical Liability package to cover home health care professionals

Home health aides and home care agencies might require a variety of insurance to meet different risks. BizInsure provides a Miscellaneous Medical Liability package that combines common coverages that home health care businesses often consider. It includes General Liability as well as Professional Liability insurance. Cyber Liability is also included to protect your company from cyber-attacks, data breaches, and other threats.

Who should be covered by insurance for home care?

New Mexico is home to a variety of health experts.

  • Home Health Aides, independent contractors, subcontractors and sole proprietors might require insurance to safeguard themselves and their patients.
  • Home Healthcare Agencies can protect their small business as well as their employees by insuring home health aide agencies.
  • Other Healthcare Professionals – Nurses, physical therapists and carers are some of the healthcare professionals who may also benefit from having insurance for business.

How much does New Mexico’s Home Healthcare Insurance cost?

There are many factors that can affect the cost of New Mexico home health insurance. This is because every home health aide differs. Your insurance premiums will also depend on your company’s unique structure.

Some of these factors may be used in the calculation of business insurance premiums.

  • Your education and qualifications – Are you properly educated to perform your job? Are you able to work in New Mexico as a healthcare provider?
  • The county, city or town you live in – Care providers located in cities with larger populations like Albuquerque or Santa Fe are likely to charge more than those based in smaller areas.
  • Past claims history – This could lead to higher insurance rates for the future.
  • The coverage you require – Higher premiums are usually connected with greater coverage. You may be required to maintain minimum levels of coverage by clients.

Are you interested in knowing how much business insurance costs? Comparing quotes from more than one insurer can help to locate a home health insurance policy that suits you and your budget.

Frequently Asked Questions (FAQs)

What are the risks for home-care professionals in New Mexico?

Ohio home health care providers in Ohio are highly qualified and offer exceptional customer care. But, working closely with other people in their own homes could pose particular dangers. Insurance can help you to manage the most common risks that you might encounter.

  • If the patient falls or slips and falls, they must be transported to an emergency department. While visiting a patient’s home, you accidentally drop and break a costly vase. Two instances of claims General Liability Insurance can assist with as a home-health aide.
  • The ability to provide insurance for professional liability is a key factor in the lives of patients and their families. You may be subject to an action for professional liability if your care is not up-to-standard or you make a mistake.
  • Cyber Liability insurance – Certain sensitive patient data could be kept by home healthcare agencies. Cyber Liability insurance is available to assist you in recovering from a data breach, malicious attack or any other harm to your company.

BizInsure is an online destination that helps home health agencies and aides find business insurance to cover the risks that they face every day.

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

New Mexico doesn’t require licenses for home care assistants. However, you must still meet other conditions in order to work in New Mexico.

You will be required to be certified when you work for a Medicare/Medicaid certified New Mexico home healthcare agency and meet the following requirements:

  • Competency evaluation passed;
  • Complete 75 hours; and
  • Take 16 hours of support for clinical training.

While working at an agency, you’ll likely receive regular training. To become a Medicaid-certified independent healthcare aid you need to:

  • Register for registration with the New Mexico Department of Jobs and Family Services.
  • Get a background check for your state.
  • Request a background check from the FBI If you haven’t resided in the state for longer than five years.

After you’ve put in the work required to become a home health aide, you’ll likely want to protect your career and the business you are building. New Mexico’s business insurance for home health aides will cover you against a variety of dangers you could face while on the job. It can provide you with more security and peace of mind, as well as protect your finances from expensive lawsuits.

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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
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.
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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
For a small non-profit, the package I was given was affordable. The representative was polite, patient, understanding, and knowledgeable.
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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
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.
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22:21 02 Sep 21
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Excellent solution for writers and authors professional liability policy as well as coverage for copyright and trademark infringement. Service was prompt and excellent.
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Done in less than an hour!
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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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19:51 20 Apr 21
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23:13 09 Mar 21
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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!
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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
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00:47 26 Aug 20
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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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21:51 04 Jun 20
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Fre H.
16:38 28 May 20
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Jasmine Q
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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!!
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23:42 13 Nov 17
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