Home Health Care Insurance in Vermont

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Home Health Aide quotes

Home Health Agency quotes

Vermont Insurance Agency and Home Health Aides

Home health aides offer the best care possible to their patients. You are aware of how crucial it is for patients to live safely and comfortably in their own home. Your support for others is so important, but who is supporting you?

BizInsure makes getting small businesses insurance for Home Health Aides in Vermont easy. Home health aide insurance for individuals and agencies is available no matter your location, from Burlington to Essex.

Why become a home health aide in Vermont?

There are numerous home health aides in every state, including Vermont. This could be an excellent way to start a health care career and improve the lives of Vermont patients.

There are more than 5000 home health aides and personal care aides in Vermont, according to 2021 data from the Bureau of Labor Statistics. This number is likely to increase in the coming years. Between 2021 to 2031, the number of home health aides across the entire country is expected to grow by 25%. This is much faster than the average expected growth rate for all occupations, which is just 8%.

Home health aides and personal care aides in Vermont earn an average annual salary of $35,490 or an average hourly wage of $17.06. Vermont home health aides may earn more in major cities than in smaller metro areas and rural parts of the state. For example, the average annual salaries for home health and personal care aides in Burlington-South and Northern Vermont are $32,520 and $33,360, respectively.

Why is insurance necessary for Vermont home health care providers?

Home health aides can work with those who are disabled, elderly or chronically sick. Your services allow these patients to live in safety and comfort in their homes. However, you could be sued or face expensive legal liability due to the nature of your work.

Accidents can happen, and you may have to pay the victim or their family members. Claims and lawsuits are costly. This could cause financial problems and even end your professional career. Home care insurance in Vermont helps home health aides, health agencies, and other providers of care safeguard their finances.

Did you Know?

General Liability insurance protects against unfounded and real claims from third parties.

Vermont Home Healthcare Business Insurance

Home health aides and other healthcare professional often consider different kinds of insurance for businesses to safeguard themselves while they perform their job.

General Liability Insurance

General Liability insurance protects you against any claim by an outside party regarding injury or damage to their property. In these instances, your policy will cover your legal expenses as well as your cost to replace or remedy the situation up to the limits of liability.

These protections are available for accurate claims as well as those with no merit. General Liability insurance may be called Commercial General Liability, CGL or “slip and fall” coverage.

What is typically covered?

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

  • Injury to a third-party’s body
  • Damage to a third party’s property


These policies also cover claims that are not substantiated. It is expensive to settle claims that are not legitimate. A General Liability policy provides home health aides and agencies with more peace of mind as they care for their patients knowing their financial security is protected.

What is typically not covered?

These incidents will not be covered by your General Liability policy:

  • Workers’ compensation claims and personal workplace injuries
  • Damage to your property
  • The deliberate destruction of property belonging to third party
  • Mistakes and errors in your work


Your General Liability policy might not be able to cover certain situations. Complete details about the coverage will be included in the policy documents.

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.

You will be covered for meritless as well as true claims. Professional Liability insurance is also offered as Errors & Omissions (E&O) insurance.

What is typically covered?

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

  • Errors, mistakes or omissions in your professional services or advice
  • Negligence allegations
  • Missed dates or services not provided
  • Contract breaches


These types of liability claims usually come from clients who assert that your work resulted in financial losses for them. Even if the claim against you isn’t bogus, Professional Liability insurance policies will provide coverage.

What is typically not covered?

These events are usually not covered by Professional Liability insurance:

  • Injuries to a third-party
  • Property damage to third parties
  • Personal workplace injuries


Refer to your policy documents for complete details about what your Professional Liability insurance covers.

Miscellaneous Medical Liability Package for Home Health Care Providers

Home health aides and home care organizations may need multiple types of insurance to meet different risks. BizInsure has a Miscellaneous Liability package that includes the most popular insurance that home care providers typically require.

The package offers Professional Liability and General Liability insurance. It also includes Cyber Liability, which helps protect against security breaches, malware attacks and other potential online risks for your company.

Who should be covered by home care insurance?

There are many health professionals who might need home care insurance in Vermont:

  • Home Health Aides – Subcontractors, sole proprietors, and independent contractors may require insurance to safeguard their patients as well as themselves.
  • Home Healthcare Agencies – Protect your employees and business with insurance for your home health care agency.
  • Other Healthcare Professionals – Business insurance may also benefit physical therapists, nurses and caregivers.


BizInsure offers General Liability insurance and other essential coverage to Vermont home health care agencies. Start a quote to compare policies in minutes!

What is the cost of Vermont’s home healthcare insurance?

There are many factors that can affect the cost of Vermont home health care insurance. Since each home health care provider is unique, the insurance premiums you pay will likely differ.

Factors that could be considered when calculating business insurance premiums include:

  • What are your education and qualifications? – Are you well-trained to perform the job? Do you have the right authorizations to work in Vermont as a health care provider?
  • The county, city or town in which you work –Care providers based in cities with larger populations, such as Burlington or Essex, are likely to be charged more than those based in smaller regions.
  • History of past claims – This may lead to higher insurance rates for the future.
  • The level of coverage you need – More expensive premiums are typically connected with greater coverage. Some clients may require minimum coverage.


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

Frequently Asked Questions (FAQs)

What are the risks home healthcare providers face in Vermont?

Home healthcare providers in Vermont offer high-quality care for patients. There are unique risks associated when working close to other people in their homes. Insurance is a great way to manage the most common risks that you might encounter.

  • General Liability insurance – You accidentally knock over and break an expensive vase in the patient’s home. General Liability insurance is available to help with situations such as this.
  • Professional Liability insurance – The ability to provide Professional Liability insurance is an essential factor for many patients and their families when hiring a home health aide. A negligence lawsuit may be filed against you if you make mistakes or do not satisfy their expectations.
  • Cyber Liability insurance – Healthcare agencies can keep sensitive patient data. Cyber Liability insurance is available to help you recover from data breaches, malicious attack or any other harm to your company.


BizInsure will help organizations and home health aides find business insurance that addresses the specific dangers you face each day.

What are the home healthcare aide license requirements in Vermont? How do I get a home healthcare license in Vermont?

Vermont has no licensing requirements for home healthcare aids. However, there are additional requirements you must meet to be licensed in Vermont.

You must be certified when you are employed by a Medicare/Medicaid-certified Vermont home health agency.

  • Competency evaluation passed
  • Complete 75 hours of instruction
  • 16 hours of training in support for clinical practice


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

To be able to work in Vermont as a Medicaid-certified Independent Health Aid you must have:

  • You can enroll with the Vermont Department of Jobs and Family Services
  • Do a background investigation at the state-level
  • If you’ve been in the state for less than 5 years, get a background check from FBI


You’ll want to safeguard your job and the business you’ve built once you’ve put in the effort to be a home health aid. Vermont offers home healthcare business insurance that protects against common dangers. It will give you more peace of mind and protect your finances from expensive lawsuits.

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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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No complaints, Always a fast response when a need arises.
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13:56 10 Mar 23
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21:53 20 Jan 23
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23:09 15 Aug 22
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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
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AmeriCreed 1.
15:42 23 Sep 21
19:49 09 Sep 21
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22:21 02 Sep 21
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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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16:34 10 May 21
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18:50 26 Apr 21
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19:51 20 Apr 21
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21:00 07 Apr 21
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23:13 09 Mar 21
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17:38 18 Feb 21
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23:32 17 Feb 21
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03:29 12 Dec 20
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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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Fre H.
16:38 28 May 20
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22:11 08 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!
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17:21 14 Nov 18
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23:42 13 Nov 17
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22:12 23 Jun 17

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