Home Health Aide Insurance in Minnesota

  • Combined General Liability & Professional Liability policy
  • Quick quotes in minutes & immediate coverage
  • Competitive rates from $43.53/mo

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Home health aide liability insurance

As a home health aide, you’ve dedicated your career to providing top-quality healthcare to others who are unable to fully care for themselves due to various reasons such as age, disability, illness or injury.

From helping clients with personal hygiene, providing companionship, home health aides perform crucial healthcare functions. However, mistakes and unexpected situations may arise despite upmost dedication and skill, so it is essential to protect your finance and reputation.

Minnesota is home to 112,010 home health and personal care aides, with average income of $34,620 per year. You should be able to focus on your clinical work without worrying about the risk to your job and livelihood.

BizInsure offers combined General Liability and Professional Liability insurance to home health professionals in North Star State that meets your industry’s unique risk needs.

Who we cover

We offer combined General Liability and Professional Liability policies for home health aides to help protect you against the cost of lawsuits, injuries, accidents, and other risks, so you can provide the best possible health care to your patients.

BizInsure covers a range of home health professionals, including:

  • Home Health Aides
  • Home Health Care Agents
  • Nurses
  • Physical therapists
  • Personal Care Aides
  • Carers
  • Occupational Therapists
  • 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.

Home health aide liability coverage options in Minnesota

These liability insurance policies cover the most common risks to home healthcare aides:

Professional liability insurance

Professional Liability / Medical Malpractice

Professional Liability insurance covers legal costs related to alleged mistakes and negligence in your work that can cause financial loss to your clients.

It is also called Malpractice insurance or Errors and Omissions (E&O) insurance.

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General Liability Insurance

General Liability Insurance

Protects against third-party claims related to injury or damage to their property.

It covers your legal fees and associated costs to replace or remedy the situation up to the limits of liability.

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Minnesota HHA liability insurance requirements

In Minnesota, individuals and agencies that offer home care services are required to be licensed. For agencies, proof of Workers’ Compensation insurance is required when applying for a license.

You can also provide evidence of your General Liability and/or Professional Liability insurance, if you have it, to support your application.

Business insurance offers peace of mind that if something does go wrong, any compensation awarded through a lawsuit will be paid. So while certain policies may not be mandatory, they can help protect your growing business and livelihood.

How much does home health aide insurance cost in Minnesota?

BizInsure offers competitive insurance rates for the home healthcare industry. Your premiums may depend on specifics such as the services you provide, the geographic area you work in, the number of employees covered, and the amount of cover you choose.

A quick way to learn how much you could pay is to compare multiple quotes with our easy online application.


* 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.
Emmanuel A.
I appreciate their support in helping our agency obtain general liability insurance. Their service was efficient, straightforward, and reasonably priced.
steven K.
Great insurance company
Shante J.
Quick & Easy
Motivator V.
Amy was GREAT! She explained my policy for me and assisted in helping me to choose the best option for the business services that I provide. The other insurance agents from other carries were not able to provide the type of coverage that I needed. PLUS it came as a packaged deal, I love that! Thanks again, Amy!
Alexandria M.
I had an excellent experience working with **BizInsure LLC** while securing coverage for my business. From start to finish, the process was smooth, professional, and very informative.

A special thank you to **Jazzmine**, who went above and beyond throughout the entire process. She was extremely helpful, patient, and incredibly business-savvy. Jazzmine took the time to explain the different coverage options in a way that was clear and easy to understand, making sure I selected the policy that best fit my company’s needs. She never rushed the conversation and answered every question thoroughly, which made the experience feel very supportive rather than transactional.

What I appreciated most was her professionalism and knowledge of business insurance. It was clear that she genuinely understood what business owners need and worked hard to make sure everything was handled correctly.

If you are a business owner looking for insurance and want someone who is knowledgeable, patient, and truly committed to helping you make the right decision, I highly recommend **BizInsure LLC**—and definitely ask for **Jazzmine**. She made the entire process seamless and stress-free.
George A.
Great service wrapped up on the same first call.
JESSIE W.
I was referred by a former insurance company that no longer provided the product/services that I required for my business. The process to insure my business at the same level was seamless and literally took a matter of minutes!
Chaunte
this sight was very user friendly and used wording in the policies for me to understand. They also was the only one out of 4 other companies that covered my mobile specimen collection business.
Sherron J.
Amy R. was Amazing! Knowledgeable and helpful🙏
Ashley G.
Navigating very easy
Dylan S.
Very helpful and patient, especially if your new to things
Shirley C.
GREAT JOB, DOING BUSINESS WAS JUST GREAT.
Kenneth M.
Bizinsure is an exceptional company. The customer service is excellent. The receptionists are very knowledgeable. The insurance agents are very professional.
Bob D.
Absolutely the easiest, absolutely the fastest, the best I can tell the lowest cost. For many businesses, Insurance is a dirty word, because it's complicated and we're actually so busy minding our business that when complicated insurance issues get in the way, it slows us down. But not with these guys. Biz Insure LLC has figured it out and thank goodness they have...
Khagendra M.
Great company to work with
Angela
I spoke with Alex, he was very knowledgeable and a pleasure to work with.
Chandan B.
Easy to use website, renewing policy was easy.
Felicia T.
The process was quick and user-friendly.
Veronica T.
Prices were more than reasonable. The customer service rep that I spoke to was very knowledgeable and helpful.
chereece M.
Great customer service very helpful
Tim B.
Wasn't that easy. Lot's of little hoops to jump through and added fees for my trouble.
Letitia D.
So far, so good. Just purchased a policy for my business, the online portal was easy to get through, no complicated jargon that would overwhelm someone looking for a business policy.
David R.
Quick and easy!
bryan M.
It was an extremely simple process.
Rochelle S.
Excellent customer service! Great price ! Customer friendly, knowledgeable and communicated very well with all of the
questions that I had. I would definitely recommend this company for your insurance needs. Thank you for the great experience!
Earl L K.
The BizInsure team were very helpful and knowledgeable. They answered all my questions and got a very nicely priced policy for my business.

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