Home Healthcare Agency insurance in Illinois

  • Combined General Liability & Professional Liability coverage in one easy package
  • Quick quotes in minutes & immediate coverage
  • Flexible cover options to suit your needs

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Home healthcare insurance in Illinois

Home healthcare business services are highly sought-after in Illinois, as the American home healthcare market is expected to grow by 21% by 2033.

Home healthcare providers help patients across Illinois receive care and the well-being in the comfort and convenience of their own homes. However, even with the best care and dedication when providing personal care and medical treatment, there’s a risk of costly claims and lawsuits.

With home healthcare insurance, you can provide quality care for your clients while being assured you are protected from a variety of exposures your business faces.

For over 15 years, BizInsure has offered tailored insurance solutions for home healthcare businesses, hospice care providers and other agencies throughout the United States.

With innovative technology, excellent service, and tailored coverage, BizInsure has your back with the industry-leading insurance for home healthcare professionals and agencies.

Who we cover

Protect yourself while helping patients. Whether you’re self-employed or a growing home health agency, we offer customized coverage for:

  • Home health care agencies
  • Hospice care
  • Staffing Agencies
  • Companionship care services
  • Visiting nurse associations (VNAs)
  • Home Health Aides
  • Registered nurses
  • Physical therapists
  • Personal Care Assistant(s)
  • And more

Comprehensive and Flexible Coverage

Home healthcare professionals work with patients who could present their businesses with unexpected risk, such as elderly patients, those living with a disability, and patients with chronic illness. Comprehensive insurance coverage can protect you and your employees, providing confidence and peace of mind as you work.

A home healthcare liability insurance package protects homecare agencies and employees against common claims such as injuries, malpractice allegations, or damage to business property while on the job.

Illinois home healthcare insurance coverage

BizInsure offers tailored insurance solutions to home health care businesses that make up a comprehensive policy package to suit your unique needs. You can customize your insurance with a variety of coverage options.

Professional liability insurance

Professional Liability / Medical Malpractice

A Professional Liability insurance policy is considered the most important coverage for many home healthcare businesses. It provides financial protection from claims of mistake and negligence. It is also called Malpractice insurance or Errors and Omissions (E&O) insurance.

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General Liability Insurance

General Liability Insurance

A General Liability policy protects health care providers against legal fees related to client injuries and property damage, up to the limits of liability.

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Illinois home healthcare insurance requirements

Home health agencies in Illinois are required to hold a license to operate. When applying for a license, you must provide proof of General Liability insurance with minimum coverage levels of $1 million per occurrence and $3 million in the aggregate.

Always check with your local licensing board when getting or renewing your home health license to ensure you are meeting their current licensing requirements.

Home health care risks

There are many risks that home health care providers may face due to the nature and scope of their businesses.

  • Patient injury
  • Damaging a patient’s property
  • Negligence claims
  • Mistakes or negligence in patient care
  • Abuse, molestation, or sexual misconduct allegations

How much does home healthcare insurance cost in Illinois?

BizInsure offers competitive rates for insurance tailored to the home healthcare industry.

Premiums vary depending on the unique needs of your business. The amount you pay may depend on factors such as the services you provide, the geographic area you work in, and how many employees are covered by a policy.

Compare multiple quotes with our quick and easy online application to learn how much insurance for your home healthcare business will cost.


* As with any insurance, coverage will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this guide is general only and should not be relied upon as advice. The number of quotes provided varies between products, occupations and other underwriting factors determined by the insurers.
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