Insurance for Home Care Providers and Agencies
- From $45/m for home health aides
- From $51/m for home health agencies
- Instant quotes and coverage confirmation
- Customized policies tailored to your needs
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Trusted by thousands of home health businesses nationwide.
Protect your Home Health Care Business
The home health industry is growing rapidly as Baby Boomers continue to age. By 2030, more than 71.6 million people in the United States will be over the age of 651, and many of them will need in-home medical services.
Since 2012, BizInsure has offered tailored insurance solutions for home care providers, nurses, and home health agencies. Get industry-specific coverage from A-rated (or better) insurers to protect against injury, property damage, negligence, and other common claims.
Protect yourself, your business, and your employees with a24/7 portable liability package designed for home health professionals and providers.
Why do home health aides need insurance?
Even the most careful carer can make a mistake, miscommunicate care instructions, or injure themselves on the job.
As a Home Health Care Provider, you help care for and assist patients in their homes. You may often work with elderly or disabled patients, which can be challenging and unpredictable. This presents unique risks to you and your clients, including:
- Mistakes or errors in their work
- Misunderstandings between themselves, patients, and patients’ families
- Patient injury
- Damaging a patient’s property
- Negligence claims
Home health care insurance provides cover for claims arising from your daily activities, including malpractice accusations and legal action, whether or not you are at fault.
Who needs home health care insurance?
BizInsure understands the needs of home health businesses and offers customized packages for a range of home care providers, including:
- Home health aides
- Home health care / In-home healthcare providers
- Hospice
- Skilled nursing care professionals (such as RNs and CNAs)
- Personal care assistants
- Companion care providers
- Home health agency
- Unskilled / ADL providers
- Nursing homes
- Occupational therapists
Miscellaneous Medical Liability Package for Home Care Services
A Miscellaneous Medical Liability package includes General Liability, Professional Liability and Cyber Liability insurance, providing convenient coverage at a competitive rate.
BizInsure offers Miscellaneous Medical Liability insurance for your home health care business. These tailored packages are designed especially for home health aides, skilled nursing professionals and other home care providers.
Coverage Benefits
Professional Liability
Protects nurses and medical professionals from claims caused by errors, omissions, or mistakes in their work; breach of contract; and libel or slander.
- Coverage levels up to $1 million per occurrence and $3 million in the aggregate
General Liability
Protects against third-party claims of bodily injury or property damage. A General Liability policy is generally required to lease office or clinical space for your business.
- Coverage levels up to $1 million per occurrence and $3 million in the aggregate
- Products/Completed Operations Liability coverage up to $1 million per occurrence and $3 million in the aggregate
Additional coverage options
Abuse & Molestation
Helps nurses manage accusations of abuse & sexual misconduct.
Coverage levels up to $100,000 per occurrence and $300,000 in the aggregate
Breach Response Services
Helps medical professionals manage cyber breaches, including notifying affected patients and clients that their data has been compromised.
- Up to 25,000 notified individuals in the aggregate
- Up to $100,000 in the aggregate
Hired & Non-Owned Auto
Provides coverage for vehicles that are used for work but are not owned by the business.
Did you know?
General Liability insurance can provide coverage nationally, so you’re protected no matter where you work in the U.S.
How much does insurance for home health aides cost?
Home health aides pay from $45 a month for their insurance with BizInsure. Home health agencies can get coverage starting from $51 for their insurance.
The cost of your policy will depend on several factors, such as the size of your business, number of employees, coverage limits chosen, and your claims history.
Comparing multiple quotes with BizInsure is a good way to learn how much home care liability insurance will cost for your business.
1 S&P Global, 1 in 5 Americans to be 65 years old or older by 2030, November 2024
What types of insurance do home healthcare professionals need?
Home healthcare professionals may need different types of insurance to protect their businesses. Popular coverage options include:
Professional Liability insurance can protect professional service providers from potentially devastating financial damages resulting from alleged negligence, malpractice, or error in the delivery of their services. Policies cover your costs in a lawsuit, which include the cost of an attorney and paying awarded settlements.
General Liability coverage, also referred to as Commercial General Liability (CGL) or “slip and fall coverage,” can protect home care professionals and agencies against bodily injury or property damage lawsuits from outside parties.
Cyber Liability insurance helps home health professionals manage cyberattacks and data breaches. Like most other businesses, your home health agency probably uses a computer system to keep track of your client’s details, services, and employees. A cyberattack could compromise your business or your clients’ financial details, patient records, and more.
Is liability insurance required for home healthcare professionals?
Yes, liability insurance may be required for home health agencies and aides in some states. Check with your state or local government to understand the insurance requirements for you and your business.
Why do home healthcare providers need insurance?
Business insurance can help home healthcare providers protect their businesses. Whether you’re running a home health agency or individual home health provider, liability insurance could help you manage legal fees, compensation costs, and other unplanned bills caused by a malpractice claim or lawsuit.
Home healthcare insurance is suited to a wide range of occupations, including home health agencies, home health aides, personal care providers, in-home caregivers, and more.
What does healthcare liability insurance cover?
Healthcare liability insurance can cover common industry risks, such as negligence and misrepresentation claims, third-party injury and property damage, and cyber breaches. It helps cover the cost of legal fees, settlements, judgments, medical costs, and compensation.
What is the difference between healthcare providers and caregivers?
Generally, healthcare providers are skilled workers who provide health-related services, such as administering medication and monitoring vital signs. Caregivers assist with daily living activities, including bathing, dressing, and light housework.
What is the difference between “per occurrence” and “aggregate” liability limits?
Per-occurrence and aggregate limits both refer to the maximum payout of an insurance policy, but in different settings.
Per-occurrence limits are the maximum amount a policy will pay for any one incident or claim. Aggregate limits are the maximum amount that will be paid over the duration of the policy.
Learn more about home health care insurance in the states where you work.
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