Home Health Care Insurance
in North Dakota

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Home Health Aide quotes

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North Dakota Home Health Care Business Insurance

Home Health Aides provide the highest quality of care to their patients. It is crucial that patients can feel comfortable in their own homes and receive support from qualified Home Health Aides.
BizInsure makes it fast and easy for Home Health Aides in North Dakota to find home health aide insurance that can safeguard their small business. Home Health insurance is available for home health aid agencies anywhere in the United States regardless of where your head office is located.

Why would you want to become a home health aide in North Dakota?

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

According to Bureau of Labor Statistics 2021 data North Dakota is home to approximately 6,240 personal caregivers and home-care aides. This number will rise over the next few years. Between 2021 and 2031, the country’s home-health aids numbers will rise by 25%.

North Dakota’s average salary for home-health aides and personal caregivers is $34,150. The average hourly wage for these workers is $16.42. In North Dakota, home health aides may earn more in large cities than in smaller towns or rural areas. In West North Dakota, the average salary for personal and home care aides is $35,000.

Why do home health care providers require insurance in North Dakota?

Home Health Aides can assist the elderly, disabled, and chronically sick. Patients can stay comfortably and safely in their own homes thanks to the assistance you offer. This can result in costly lawsuits or liability claims.

Accidents can occur. If you are found responsible, you may be required to compensate the victim or their family. It is costly to file lawsuits or claim. The lawsuits that result from them can take your money and even endanger your job. Insurance for home care in North Dakota helps home health aides, health centers as well as other providers of care safeguard their financial security.

Did you know?

General Liability insurance covers for both actual and unsubstantiated claims by third parties.

North Dakota Home Healthcare Business Insurance

Health care professionals at home, as well as other health professionals, frequently look into various types of business insurance to safeguard themselves while they perform their job.

General Liability Insurance

General Liability insurance protects businesses from third-party claims for injury or property damage. The policy will pay for legal expenses as well as the costs of resolving the issue, up to the policy limits. These protections cover both meritorious claims as well as those with no merit. General Liability insurance can also be sold in the form of Commercial General Liability coverage (CGL), or “slip-and-fall” coverage.

What are the most common subjects covered?

General Liability insurance offers coverage for claims and lawsuits that are caused by:

  • Infliction to the body integrity of an uninvolved third party
  • Third-party property damage


A claim does not need to be proven true to be covered under your General Liability policy to safeguard you. It also protects third parties who file claims without merit. These claims can be difficult to settle. Aids and home health agencies can feel more secure knowing their finances are covered with a General Liability policy.

What isn’t typically included?

Events such as these are not covered under your General Liability Policy

  • Personal workplace injuries and workers’ comp claims
  • You could cause damage to your property
  • Intentional destruction of property belonging to third parties
  • Incorrect or incorrect work


The General Liability policy may not be able to cover certain situations. The policy documents will give the complete details on what coverage is available.

Professional Liability Insurance

Professional Liability Insurance covers any errors or omissions in your work which can result in your client losing money. It also covers you against third-party claims arising from professional negligence. True and meritless claims will be protected by a policy. Professional Liability insurance can also be sold as E&O (E&O) insurance.

What are the most popular subjects covered?

Professional Liability insurance pays for legal expenses that may result from:

  • Expert services and advice could be accompanied by errors, mistakes, or omissions;
  • Negligence claims;
  • Late dates or services not provided; and
  • Contracts that have been breached.


These types of liability claims are typically filed by customers who claim that your work has resulted in an economic loss. Professional Liability insurance policies provide coverage even if a claim brought against you is not substantiated.

What is not included?

These incidents are not covered by Professional Liability Insurance:

  • Injuries to third parties
  • Damage to property caused by third parties
  • Workers’ compensation or personal workplace injuries


For more information on Professional Liability coverage Please refer to the policy formulation.

Miscellaneous Medical Insurance Package for Home Care Providers

Home health aides, and home care agencies might require a variety of insurance to cover different risk. BizInsure’s Miscellaneous Liability package combines many coverages that home-care businesses may consider. It covers General Liability as well as Professional Liability insurance, plus Cyber Liability to help protect you against malware-related attacks as well as data breaches, among other events that could harm your business.

Who has to be covered by home health insurance ?

North Dakota’s healthcare professionals may need home care insurance.

  • Home Healthcare Aides – Subcontractors, individual contractors, and sole proprietors might need insurance to protect themselves and their clients.
  • Home Health Services – Protect your small company as well as your staff by purchasing insurance for home aide agencies.
  • Other Health Professionals Physical therapy and carers are some of the healthcare professionals that may benefit from having insurance for business.


BizInsure offers insurance coverage that covers North Dakota’s Home Health Aides and North Dakota agencies. Start a quote to compare policies in minutes!

What is the cost of North Dakota home healthcare insurance cost?

The cost of North Dakota home health insurance may vary widely from one person to another. Since each home healthcare provider is different the insurance premiums you pay will vary.

Some factors that are used to calculate the cost of business insurance are:

  • Do you have the appropriate qualifications and education to perform your job? Do you hold the correct authorizations required to be an healthcare professional in North Dakota?
  • Wherever you live, Care providers who reside near major cities such as West North Dakota nonmetropolitan area will likely be paid more than those who reside in smaller towns or counties.
  • Your claims history A collection of previous claims may result in higher premiums in the near future.
  • The coverage level you need The higher the premium typically mean greater coverage. Some clients may demand that you maintain minimum coverage.


Do you want to know how much business insurance costs? Comparing quotes from more than one insurer can help to find home health insurance that suits your needs and budget.

Frequently Asked Questions (FAQs)

What are the risks for home-care professionals in North Dakota?

North Dakota home healthcare providers are highly qualified and offer exceptional customer treatment. Being in close contact with others in their homes can create particular risks. Insurance such as the following can help you to deal with the most frequent risks you might encounter.

  • General Liability insurance – A patient slips and falls and requires an ambulance room. Accidentally, you smash and break a costly vase while in a patient’s home. These are two examples of claims that General Liability Insurance can assist with as a home-health aid.
  • Professional Liability insurance – The families of patients rely on your expertise and skills. You may be accused of negligence if you commit a mistake during your care or if you do not meet the expectations of the patient.
  • Cyber Liability insuranceHome healthcare providers can store sensitive patient data. Cyber Liability insurance can be beneficial if you’re victimized by an information leak or other malicious attack.

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

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

You will be required to be certified when you work for a Medicare/Medicaid certified North Dakota 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 North Dakota 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. Ohio’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!
Carlos T.
18:06 16 Mar 23
Very helpful and explanatory on the policy line of the policy
Josua V.
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.
Faisal O.
16:23 14 Mar 23
No complaints, Always a fast response when a need arises.
Dan F.
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.
Jacquelynn W.
21:53 20 Jan 23
Professionals at what they do! easy to navigate and very good people to lead to to the best coverage!
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20:37 17 Jan 23
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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05:51 23 Nov 22
They respond quickly and give you quotes immediately ...
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23:55 09 Nov 22
The agent that I spoke to was very experienced and could tell that I was new at this and was very understanding and took the time to explain everything to me.
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00:04 15 Oct 22
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18:54 13 Sep 22
We’re very happy with BiInsured LLC. VERY AFFORDABLE
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19:20 11 Sep 22
Jasmine Q was on the spot professional, she knew where to direct me and explain to me my concerns and request; she delivered my personal information within minutes of me asking policy questions.That young lady is a true ROCK STAT!!!
Shaka 3 Z.
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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18:06 15 Aug 22
Asked for a specific venue to be place on our certificate of insurance and it was done within one business day. Yay! Bizinsure!
Melinda S.
17:02 01 Aug 22
The process was fast and easy and the professional staff was very knowledgeable with any questions that I had and ready to help
06:40 31 Mar 22
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
They are awesome
Tony H.
00:41 07 Jan 22
Noa made sure I had all the information I needed for a first time business owner . He helped me understand what I needed to secure a quality policy and he was super helpful when explaining how the policy would serve its purpose to my company. I was very satisfied and had an Awesome experience, I think people like that make the company look good!
Wayleen O.
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.
Dissent D.
22:21 02 Sep 21
Eugene was Awesome!!!!
Lakesha G
17:19 21 Jul 21
Excellent solution for writers and authors professional liability policy as well as coverage for copyright and trademark infringement. Service was prompt and excellent.
18:22 22 Jun 21
Done in less than an hour!
William O.
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
I had a great experiencing obtaining several of my insurance needs as a landscaping company here in Northern Colorado. BizInsure's team took care of my needs and was very responsive to help with paperwork needed to secure a potential client account!
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16:34 10 May 21
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Elba P.
18:50 26 Apr 21
I need a help getting errors and omissions insurance along with general liability. Jose was very friendly informative and was very patient with me during the process. He found me some of the best rates for the coverage that I needed. Highly recommend
Casper M.
19:51 20 Apr 21
I had numerous conversations with several business insurance agents over a month's time. I also had several conversations confirming the policy inclusion/exclusions and asked many questions. My BizInsure agent was professional, knowledgeable and most important—detail oriented. Even after having an initial conversation a month earlier he knew and *remembered* all my personal/professional insurance needs. When I asked for additional information on the third call he was able to provide me with details very quickly. He was also VERY patient. That is a big plus in my opinion. It illustrated a high level of respect for my needs. I also found when I called back and asked to talk with the initial agent, the person who answered the call was able to get in contact quickly and my agent responded and returned the call within 5-10 minutes. The transaction was smooth, and I think it's a good sign should I ever need to make a claim. I highly recommend BizInsure.
Poetic F.
21:00 07 Apr 21
The rep was extremely helpful actually lowered my quote and made sure I was covered to fit my needs with my growing business! 5star!!
Franklin B.
19:04 16 Mar 21
Excellent service and prices.
Cassiopée V L.
23:13 09 Mar 21
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Stephanie W.
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!
Esined P.
23:32 17 Feb 21
The customer service provided by Jose was outstanding. He explained everything in a very clear/logical way and answered all of my questions. After providing all the information to obtain general liability insurance, Jose sent me the declaration page of the insurance for review. All of the information matched what I provided over the phone and there were no typos. The next day I called back to purchase the insurance which was easy and fast. Overall, my experience with BizInsure including the customer service by Jose exceeded my expectations.
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03:29 12 Dec 20
Hiscox/BizInsure made getting Liability Insurance very easy and reasonable.I expected it to be a long and complicated process and it was a nice surprise that they made it so uncomplicated. Thank you. Lisa
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21:51 24 Nov 20
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rhonda H.
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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19:55 15 Sep 20
This company responded when I needed them to respond while facing a deadline. They are an excellent choice for business Insurance.
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01:52 12 Sep 20
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02:41 27 Aug 20
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Nancy S.
00:47 26 Aug 20
I was in need of professional liability insurance for my sole proprietorship. A friend referred me. Everythng was quick and simple and AFFORDABLE!
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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16:45 24 Aug 20
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19:51 14 Jul 20
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21:51 04 Jun 20
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02:03 04 Jun 20
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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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22:11 08 May 20
This company was very precise with explaining services and made sure I chose the right business insurance coverage, great customer service at purchasing.
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01:30 05 May 20
Jasmine Q
14:31 02 Dec 19
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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18:07 22 Jun 18
BizInsure was a great find! I did not have to fill out applications, and Tricia was able to quote and bind business insurance for me within half an hour.
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17:28 21 Jun 18
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Mark W.
23:42 13 Nov 17
Great customer service. I've been very inpressed with my dedicated representative that had helped me navegate my insurence needs. Thanks so much!
Graham B.
22:12 23 Jun 17

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