Insurance for Home Health Care Business
in South Dakota

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Home Health Aide quotes

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South Dakota Home Health Aides and Agencies Insurance

Home health aides offer the highest quality of care to their patients. You understand the importance of people being able to live at home, whether you are working alone or with a team. The support you give to others is so important, but who is supporting you?

BizInsure makes it easy for South Dakota Home Health Aides to get insurance that protects their small-scale businesses. There are insurance options for home health aide agencies across the Mount Rushmore state. So no matter where you work, you can be covered from Sioux Falls to Rapid City.

Why become a home health aide in South Dakota?

In South Dakota, home health aides are in high demand. It could be a fantastic way for you to begin a profession in the field of healthcare and make a positive influence on patients throughout the state.

According to the 2021 data of the Bureau of Labor Statistics, South Dakota has approximately 3,260 home care aides and personal caregivers. In the next few years, this number will likely increase. The number of home health aides in the country is expected to increase by 25% between 2021 and 2031.

The average salary for home health aides and personal caregivers in South Dakota is $28,900, with an hourly average wage of $13.90. Home health aides in South Dakota may make more in larger cities than in rural areas or smaller metropolitan areas. The average salaries for home care and personal care aides is $29,930 in Rapid City and $29,870 in Sioux City, respectively.

Why do home health providers consider insurance?

Home health aides provide assistance to those who are elderly, chronically sick, and living with disabilities. Your services are essential to helping patients live comfortably and safely at home. But this close care could also result in costly lawsuits and liability claims.

Accidents do happen. If they do, you may be required to cover medical expenses of a patient or provide compensation to loved ones. The cost of lawsuits and claims is high. This could rapidly take your money and even end your career. Home care insurance in South Dakota helps home health care professionals, agencies, and other care providers protect their finances.

Did you know?

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

Home Healthcare Business Insurance in South Dakota

Home health aides and other healthcare professionals often examine different types of business insurance to protect themselves as they work.

General Liability Insurance

General Liability insurance protects your business against bodily injury or property damage lawsuits from outside parties. The policy will pay for legal expenses as well as the costs of resolving the issue, up to the limits of your policy.

These protections apply to claims that do have merit and ones that don’t. General Liability insurance can be referred to as Commercial General Liability (CGL) or “slip and fall” insurance.

What is typically covered?

General Liability insurance typically covers lawsuits and claims arising from:

  • Bodily injuries to a third party
  • Damaging a third party’s property


General Liability policies covers third-party claims that are with or without merit. Baseless claims are often difficult to settle. A General Liability policy provides home health aides and agencies more security while caring for patients. These policies also safeguard the financial assets of their clients.

What is typically not covered?

These events are usually not covered under your General Liability policy:

  • Compensation claims for workers, as well as personal workplace injury
  • Damage to your own property
  • Damage caused intentionally to someone’s property
  • Errors and mistakes in your work


There could be additional events that are not covered under your General Liability insurance that are not included in this list. Your insurance provider will provide you with complete information about the coverage available.

Professional Liability Insurance

Professional Liability insurance can protect professional service providers from potentially devastating financial damages resulting from alleged negligence or error in the delivery of your services.

The policy will cover legitimate and meritless claims. Professional Liability insurance can be sold under the name of Errors and Omissions (E&O) insurance.

What is typically covered?

Professional Liability insurance protects against legal costs (including judgments and settlements) that could result from:

  • Errors in the professional advice or recommendations you provide.
  • Allegations of negligence
  • Missed deadlines or services not provided
  • Contract breach


These kinds of claims are usually filed by customers who allege that your actions have caused them an economic loss. Professional Liability policies cover your business even if the claim is not substantiated.

What is not typically covered?

The following events are usually excluded from Professional Liability insurance:

  • Bodily injury to third parties
  • Damage to a third party’s property
  • Personal workplace injuries


Check your policy documents for more details on what your Professional Liability insurance covers.

Miscellaneous Medical Liability package for home health care professionals

Home health aides and home care agencies often need more than one type of insurance to cover different risks to their business. BizInsure offers a Miscellaneous Medical Liability package which combines the most common insurances home health care businesses often consider.

This policy package includes Professional Liability and General Liability insurance. It also includes Cyber Liability insurance, which protects you from malicious software attacks, data breaches, and other events that could damage your business.

Who needs home health care insurance?

South Dakota is home to many healthcare professionals that might require home care insurance.

  • Home Care Aides – Subcontractors, sole proprietors, and independent contractors may require insurance to safeguard their clients and themselves.
  • Home Health Services – Protect your small company as well as your staff by purchasing insurance for home health agencies.
  • Other Healthcare Professionals – Physical therapists and carers are just some of the healthcare professionals that may also benefit from having business insurance.

Home health aides and agencies located in South Dakota can get General Liability and other insurance policies through BizInsure. Start a quote to compare policies in minutes!

How much does South Dakota’s home healthcare insurance cost?

There are many factors that can affect the cost of South Dakota home health insurance. This is due to the fact that every home health aide is different. The cost of insurance will depend on your business’s unique structure.

The factors used to calculate the cost of business insurance are:

  • Your qualifications and educational background – Are you properly trained for your job? Do you have the right license to work as an South Dakota health care provider?
  • The town, county or city you work in – Healthcare providers based within cities such as Rapid City or Sioux City will likely be more expensive than those in less populous areas.
  • History of past claims – This may lead to higher insurance rates for the future.
  • The level of coverage you require – A higher level of coverage typically means higher premiums. Clients might need to have a minimum amount of coverage to operate in South Dakota.


Comparing quotes from multiple insurers can help you to locate home health care insurance policies that suit both your business and your budget.

Frequently Asked Questions (FAQs)

What are the risks for South Dakota's home care providers?

South Dakota home health care providers are highly qualified and offer excellent patient treatment. However, it is risky to work so closely with people at their home. Insurance can help manage your most common risks.

  • You accidentally smash and break a costly vase while in a patient’s home. Liability insurance could be helpful in handling incidents like this.
  • The ability to offer insurance for Professional Liability is an essential aspect for patients and their families. You could be the subject of a lawsuit if your care is not up-to-standard or you commit an error.
  • Home healthcare agencies might store sensitive patient data. Cyber Liability insurance can help you to repair damage caused by a breach of data.

BizInsure can help agencies and home health aides find business insurance that addresses the unique risks you face every day.

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

There aren’t any licensure standards in South Dakota for home health aides. You must still meet other requirements in order to work in South Dakota.

If you work for a home healthcare agency located in South Dakota which is Medicare/Medicaid accredited You will be required to:

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

The agency will likely provide ongoing training while you are employed by the agency.

To become a Medicaid-certified independent healthcare aid, you must:

  • Register at the South Dakota Department of Jobs and Family Services
  • Conduct a background investigation for a state-level
  • Conduct a background check with the FBI (if you’ve lived in the state for less than five years).

When you’ve completed the work required to become an aide at home, you’ll likely want to protect your career and the company you’re creating. Ohio home healthcare insurance protects you from the most typical risks you could encounter when working. It can provide you with greater security and peace of mind, as well as safeguard your financial assets from costly 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!
Magnifier 2.
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!
John S.
05:51 23 Nov 22
They respond quickly and give you quotes immediately ...
Regean K.
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.
lotanga J.
00:04 15 Oct 22
Easy to work with and very responsive. Glad to have them as my broker.
Edward G.
18:54 13 Sep 22
We’re very happy with BiInsured LLC. VERY AFFORDABLE
Paul A. F.
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.
Gertrude R.
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.
Beth Anne V.
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
Brenda J.
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!
Arik S.
16:34 10 May 21
Very efficient they were able to help me out with my request promptly....highly recommend this companyI am very happy to have them
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
Mr. Daniel Scott was very responsive to my professional needs.
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.
Joe W.
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
Lisa W.
21:51 24 Nov 20
Eugene was incredible. I called 4 other brokers before him who were impossible to get any help.
rhonda H.
23:26 12 Nov 20
Very quick to get in touch with you and good with follow up. Had some trouble retrieving my quote to log into my account initially but Daniel assisted me and the changes were made to get me into my account. Great value for the money.
Fran S.
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.
Aileen D.
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
Jose Quintero took such great care of me and was very patient explained everything I did not understand and got me set up quickly. Fabulous customer service
Christina R.
02:41 27 Aug 20
I can't say enough good things about Daniel Santos kind and effective communication skills as an insurance agent. Daniel was so pleasant, friendly and efficient with helping me obtain insurance as a teacher. If I were to give Daniel a grade, he has earned an At . He made the process easy to understand, it was far easier than what I anticipated. Nancy S.
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!
Pamela C.
16:45 24 Aug 20
Great and fast service!!!! The representative was very professional!!!!
Tanya S.
19:51 14 Jul 20
I was tryi9ng to find commercial liability insurance for my new comp-any and BizInsure was easy to use and very affordable which is great for me as a new business.
Jimmy S.
19:01 14 Jul 20
Great service insurance prices are great for professionals looking to get insurance for businesses....
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22:34 22 Jun 20
The provided very professional service and made the process easy.
Paul R.
21:51 04 Jun 20
Bradley Hoyle from the Biz Insure team was excellent to work with. Everything was quick and smooth. Great service, much appreciated!
Kristene S.
02:03 04 Jun 20
Anthony Spencer was great!! Very quick response time!! He was very Professional! I would suggest him because he helped me find a affordable rate and explained all the technicalities..
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.
Dawn T.
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.
Nekeisha B.
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!!
Josh M.
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.
Allison Y.
17:28 21 Jun 18
Started doing business again and needed a policy fast. Ramez was reasonable, helpful and the rates are OK. Buyer beware? Sure, for me it turned out OK this time. Worth a call.
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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