Louisiana home health aide insurance

  • Compare quotes in minutes.
  • Buy online and get coverage confirmation instantly.
  • Only top-quality insurance companies with A-ratings ratings or higher are on the platform.

Home Health Aide quotes

Home Health Agency quotes

Insurance coverage for Home Health Aides and Agencies in Louisiana

Home health aides offer the highest quality of care for their patients. If you are working on your own or in a home healthcare agency, you know how crucial it is for patients to reside comfortably at home. But while you can offer support for those around you, who is your support?

BizInsure makes it easy for Home Health Aides in Louisiana to find insurance. Insurance options are available for home-health aid agencies across every state, so whether you’re in Alexandria or Shreveport-Bossier City or Lafayette or Lake Charles, you can find insurance options.

What are the reasons to become a Home Health Aide in Louisiana?

Home Health Aides are in demand in just about every state, including Louisiana. If you’re interested in a career in healthcare, this could be a great way to enter the field and have a positive impact on patients across the Pelican State.

There are just about 35,520 home health aides and personal care aides in Louisiana, according to 2021 data from the Bureau of Labor Statistics. This number is likely to increase in the coming years. Between 2021 and 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 Louisiana earn an average annual salary of $20,500 or an average hourly wage of $9.86. Louisiana 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 Alexandria and Shreveport-Bossier City are $23,420 and $20,180, respectively.

Why do the Home Health professionals in Louisiana require insurance?

Home Health Aids provide support to those who are elderly, chronically sick, or with disabilities.

These patients can live in the safety and comfort of their home due to the services you offer.

However, accidents happen, and if you are liable, you could be exposed to expensive liability claims or lawsuits.

They can cause financial issues and could even mean the end of your professional career. Louisiana home care insurance helps caregivers and Home Health Aides protect their finances in these situations so they can keep on providing this critical care.

Did you Know?

General Liability insurance is designed to provide coverage against both real and meritless third-party claims.

Louisiana Home Healthcare business insurance

Home Health Care professionals and other healthcare professionals often require different kinds of insurance to protect themselves as they work.

General Liability Insurance

Also referred to as Commercial General Liability (CGL) or “slip and fall coverage”, General Liability insurance can protect your business against bodily injury or property damage lawsuits from outside parties.

What is typically covered?

General Liability insurance covers the cost of lawsuits and claims that result from:

  • Third-party bodily injury
  • Third-party property damage


Sometimes, claims can arise against your business even if you haven’t done anything wrong. The baseless claims can still be expensive to settle and often involve costly fees. Fortunately, General Liability policies are designed to cover claims of bodily injury, related medical costs, and accidental damage to another person’s property, whether or not the claim has merit.

What is not typically covered?

Your General Liability policy will not cover events like:

  • Personal workplace accidents, workers’ compensation claims
  • Damage to your property
  • Intentional destruction of property belonging to a third party
  • Errors or mistakes in your work


There could be additional events not covered by the General Liability insurance, which aren’t included in this list. Complete details about coverage will be provided in your policy documents.

Professional Liability Insurance

Professional Liability insurance otherwise known as E&O insurance, protects your business against claims of negligence, misrepresentation or mistake, as well as document or paperwork errors.

It protects you from claims of professional negligence by third parties.

What is most commonly covered?

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

  • Errors, mistakes or omissions in your professional service or advice
  • Negligence claims
  • Undelivered services or missed deadlines
  • Contract breaches


These kinds of claims are usually brought by customers who claim that your actions resulted in financial losses for them. Professional Liability insurance covers you even if a claim is unfounded.

What is not included?

The types of events that are not covered by Professional Liability insurance include:

  • Bodily injury to third parties
  • The property of a third party that is damaged
  • Workers’ comp or personal workplace injury


Please refer to the policy wording for more details regarding Professional Liability coverage.

Miscellaneous Medical Liability Package for Home Health Care professionals

Home health Aides and home care organizations typically need more than one type of insurance to cover various risks that could affect their business.

BizInsure provides an assortment of medical liability insurance that combines the most common insurances home health care businesses often consider.

This covers General Liability and Professional Liability insurance, plus Cyber Liability to safeguard you from malicious software attacks and data breaches, among other events that could harm your business.

Who should be covered by insurance for home care?

Louisiana is home to numerous healthcare professionals who may require home care insurance.

  • Home Health Aides – Subcontractors, individual contractors and sole proprietors may need insurance to protect themselves and their clients.
  • Home Healthcare Agencies – Protect your employees and business by insuring your home healthcare provider.
  • Other Healthcare Practitioners – Nurses, physical therapists, carers, as well as other health professionals, may also be able to benefit from having business insurance.


BizInsure provides insurance coverage that covers Louisiana’s Home Health Aides and Agencies. Start a quote to compare policies in minutes!

How much does home healthcare insurance cost in Louisiana?

The cost of home care insurance in Louisiana can differ from one person to another. This is because each Home Health Aide business is unique, and its situation will impact the insurance cost.

Some of these factors may be used in calculating the cost of business insurance.

  • Your education and experience – Are you adequately educated to perform your job? Are you licensed to work as an Louisiana health care provider?
  • Wherever you live – Care providers in cities, such as New Orleans or Baton Rouge, will likely pay more than ones based in less populated areas.
  • Your claims history – An account of your previous claims may result in paying more premiums for insurance in the future.
  • The coverage amount you need – More coverage typically means higher premiums. Some clients may require a minimum amount of coverage.


Want to understand how much business insurance will cost you? Comparing quotes from multiple insurance companies can help you find the right home healthcare business insurance plan for your business.

Frequently Asked Questions (FAQs)

What are the risks home health care providers are exposed to in Louisiana?

Home Health Care Providers offer high-quality care to patients. But, working closely with others at home could pose particular dangers. Insurance is a great way to manage the most common risks that you might encounter.

  • General Liability insurance – A patient falls and slips, which calls for a trip to an emergency room. While visiting a patient’s home, you accidentally drop and break a costly vase. These are two examples of claims that General Liability Insurance can assist with as a home health aid.
  • Professional Liability insurance – An essential aspect of the lives of patients and their families. You may be subject to a professional liability lawsuit in the event that your treatment isn’t adequate or if you commit an error.
  • Cyber Liability insurance – Home healthcare providers can store sensitive patient data. If you experience an incident of data loss or criminal attack Cyber Liability insurance can help you repair the damage done to your business.


BizInsure can assist home health aides and agencies in locating insurance for businesses to cover the unique risks you encounter daily.

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

There are no licensing standards in Louisiana for home health aides. However, you must meet additional conditions to work in the state.

You must be certified if you work for a Medicare/Medicaid-certified Louisiana home healthcare agency.

  • Pass competency evaluation
  • Complete 75 hours of training
  • Complete 16 hours of support for clinical training


You will likely receive ongoing education from the agency while you work there.

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

  • Register at the Louisiana Department of Jobs and Family Services
  • Do a background investigation at the state level
  • Get a background investigation from the FBI (if you’ve lived in the state less than 5 years).


When you’ve completed the work required to become an aide, you’ll probably want to protect your career and the company you’re creating. Louisiana’s business insurance for home health will cover you against various risks you may face in your job. This insurance will increase your confidence and allow you to work.

© Copyright 2023 BizInsure LLC, 2015 ALL RIGHTS RESERVED BizInsure LLC; CA DBA: Simple, Smart, BizInsure Insurance Agency LLC; NY DBA: BizInsure Services LLC; NH DBA: Simple, Smart, BizInsure Insurance Agency; PA DBA: BizInsure Services LLC. 2950 Buskirk Ave Suite 300, Walnut Creek CA 94597. License #0H81929

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.
Michele H.
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....
Rhonda G.
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

Popular Searches

Google Rating
Based on 89 reviews