Insurance for Home Care Agencies And Providers in North Dakota
Tailored to home health agencies, nurses and caregivers
General Liability covers slip-and-falls and property damage
Professional Liability covers errors, negligence and breached contracts
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What does Home Health Care Liability Insurance cover in North Dakota?
Home Health Care Liability Insurance helps protect North Dakota home care agencies and professionals, including home health aides, caregivers, and nurses. It can help cover liability claims related to the care and support services you provide. Coverage can include claims involving:
- professional negligence while providing home care or support services
- third party bodily injury or accidental property damage
- legal defense costs for covered liability claims
- alleged errors, omissions, or failure to provide appropriate care
- incidents that occur while providing home health or personal care services
Whether you operate in Fargo, Bismarck, Grand Forks, Minot, or elsewhere in North Dakota, BizInsure offers insurance options for home health care professionals and businesses.
Why do North Dakota home health care providers need insurance?
Home health aides provide care and support to elderly, disabled, and chronically ill clients in their homes. These services involve risks that can lead to accidents, liability claims, or lawsuits.
Common situations that may result in a claim include:
- a client slips or falls during a home visit
- accidental damage to a client’s property
- allegations of professional negligence
- claims that appropriate care was not provided
- legal costs related to defending a liability claim
Without appropriate insurance, a claim could result in significant legal fees and financial losses. Home Health Care Liability Insurance can help protect your business and finances when covered claims arise.
Who needs home health care liability insurance in North Dakota?
BizInsure understands the insurance needs of North Dakota’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 North Dakota?
BizInsure offers Professional + General Liability Package made specifically for home care businesses in North Dakota and across USA.
General Liability insurance
General Liability Insurance helps protect North Dakota home care providers against third party claims involving bodily injury or property damage. It can help cover legal defense costs, compensation, and medical expenses. We offer coverage up to $1 million per occurrence and $3 million in the aggregate.
Professional Liability insurance
Professional Liability Insurance, also known as Medical Malpractice Insurance, helps protect against negligence, errors, omissions claims. It can cover claims involving defamation, libel, slander, or privacy breaches. We offer coverage up to $1 million per occurrence and $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 North Dakota 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
North Dakota home health agencies must obtain a state license before providing home health services. Applicants generally need to:
– show that the agency has enough financial resources to operate and provide its planned services
– disclose relevant events or legal proceedings from the previous five years
– meet state requirements for staffing, services, and agency operations
– allow the state to inspect the agency and verify compliance with applicable requirements
Home health agencies must meet North Dakota licensing standards before providing services to clients.
Home health aides must complete approved training before providing unsupervised care. Training covers areas such as communication, infection control, health and safety, and patient rights.
The training requirements include:
– at least 75 hours of approved training
– at least 16 hours of supervised practical training
– at least 16 hours of classroom training before starting practical training
Home health aides must complete the required training before providing care without supervision.
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