How to Start a Home Care Business in Florida?

Aug 10, 2023 · 6 minutes to read

Looking to start a home care agency in Florida? Your services may be in high demand! The Sunshine State has the highest percentage of senior citizens in the nation, with over 4.2 million calling Florida home.1

Caregiver with senior man at home.

But before you can start assisting patients, you’ll need to get a Florida home health care license, meet other state and local requirements, and put in some hard work to get everything up and running.

Getting started

To start a home health care agency in Florida, it helps to have a plan. Many small businesses develop a business plan months before they officially open for business. This document serves as a guide, helping you set goals and make decisions. It may be required to apply for a business loan or grant and to find investors.

Information that is commonly included in a business plan includes:

  • Market research – The need for home health care services in your area, your competition, etc.
  • Business structure – How your business will be run, who is involved (owners and key staff), etc.
  • Your goals – The benchmarks you want your business to reach and when you expect to complete those goals.
  • Financial forecasts – You projected earnings for the first year (or longer) and when you expect to break even (become profitable).
  • Budgets – Projected budgets for running your business, including marketing and advertising.

Making it legal

Home care businesses must have a Florida home health care license to operate in the state. You will need to meet specific requirements to become licensed and maintain your certification.

The Florida Agency for Health Care Administration (AHCA) grants licenses for home health agencies and home care businesses. As part of your home health care certification in Florida, you will need to:

  • Hire specific staff members – Including administrators and supervisors, a head nurse, and backup employees to ensure your business is properly staffed at all times.
  • Buy or lease office space – FL home care businesses must have a dedicated office where patients can contact you during normal business hours.
  • Create a patient record system – You will need a system and procedures for storing and updating patient records.
  • Purchase a surety bond – A bond may be required, depending on the services you provide and if you apply for Medicare certification.
  • Comply with other state and federal regulations – Patient safety is important, and you may be fined or face legal action if you do not follow these regulations.

You will also need to apply for a business license and register with the Florida Department of State. There may be additional licenses and permits required to run a small business in your area or to provide specific services.

Protecting your business

Home health care insurance in Florida may be required to maintain your agency license:

General Liability – Coverage may be necessary to become licensed and lease office space for your home health care business.

Workers’ Compensation – Florida law requires businesses with four or more employees to have Workers’ Compensation coverage.

Even if insurance is not required to start your home health care agency in Florida, it might be worth considering anyway. A simple mistake or accident can lead to an expensive claim or lawsuit. Without insurance, the cost of setting things right or defending your business could quickly drain your bank accounts or even put you out of business.

Along with General Liability and Workers’ Compensation, you might also consider policies like:

Professional LiabilityProtects you against the financial fallout of mistakes or errors in your work.

Business Owner’s Policy – Insures your business premises and contents.

Cyber Liability – Helps your business recover after a cyberattack or data breach.

Staffing your business

Finding quality employees is essential to running a successful home health care business. Caring and empathetic individuals can make a huge difference in patient outcomes. While office staff may be needed to help you run the business, home health aides (HHA) will work directly with patients and their families.

The HHAs you hire will need to meet the home health aide requirements in Florida. This includes completing a 75-hour approved course if your agency is Medicare-certified or a 40-course if your agency is state licensed only.

You can provide this caregiver training to new employees as part of employment or require them to complete coursework elsewhere before applying. If you provide training yourself, you may require staff to work for your agency for a set number of years.


Without patients, your business won’t last long! Marketing is how you advertise and promote your agency to people searching for your services. Home health agencies typically use a combination of different marketing activities to spread the word about their services. These may include:

  • Maintaining a business website and social media accounts
  • Listing the business on Google Maps and other search engines
  • Running ads on radio, social media, in newspapers, or through other media
  • Staffing a booth at community events
  • Partnering with local healthcare professionals who can refer patients to your agency

Your budget and other factors will impact how you decide to market your home health care agency.

BizInsure understands home health care agencies.

Home health agencies provide essential services to the nation’s seniors and those living with chronic illness or disability. You have more important things to focus on than requesting insurance quotes and comparing policies.

That’s where BizInsure can help. We make it easy to find home health care insurance in Florida that meets your agency’s needs. Compare policies from A-rated insurers and buy instant coverage online—all in as little as 10 minutes!

Start protecting your home health care business.

1. Consumer Affairs, Elderly population in U.S. by state, updated July 2023.
This information is a general guide only and does not take into account your objectives, financial situation or needs. Always check with your local licensing board when getting or renewing your home health agency license to ensure you are meeting their current licensing requirements.
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.
© 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

Get Free Online Quotes and get coverage instantly

The coverage you need for your business.

Business insurance is divided into different policies. We offer 4 types so it's easy to design the coverage that fits your business.

Professional Liability Insurance

Get a quote

General Liability Insurance

Get a quote

Business Owner’s Policy (BOP)

Get a quote

Workers Compensation Insurance

Get a quote

Let's find

The coverage you need for your business

Professional Liability Insurance

Get a quote

General Liability Insurance

Get a quote

Business Owner’s Policy (BOP)

Get a quote

Workers Compensation Insurance

Get a quote

Love it
Hanna R.
Every year, BizInsure is my go to for general and professional liability insurance! Thenrates are unbeatable.
Calandra K.
The agent was quick and efficient in generating a quote for my needs.
Theresa F.
I enjoy working BizInsure they always answer all my questions and make sure i have the correct coverage for my business.
Prompt and professional service from Biz Insure. Thanks Leslie and Liza!
Bev G.
Very easy to sign up for insurance.
Great company
Brown G.
Fast and efficient!
Kim C.
alireza J.
It was great being able to get a policy that suits my company's need in less than 30 minutes. They were vey thorough. Very competitively priced.
Lynette C.
I worked with Andrea for another start up business. She was very knowledgeable and help me pick the correct policy. Amazed at how quickly the process went.
Representative was very kind, helpful, and educated me well. I appreciated today's prompt service with confirmation that I was satisfied with what was provided to me.
Tina P.
Great company for.your low cost business insurance needs.
constantin T.
Staff was very fessional and friendly. I was able to get a quote and move forward within 20 minutes.
Pebbles S.
Complete C.
Super easy process.
Ashley G.
It’s very easy to understand and at a very reasonable price.
Mary M.
Professionalism, Quality, Responsive and budget friendly
Great rates, easy to understand and select appropriate coverage, can get in a jiffy
Brie C.
I have been a customer of BizInsure for a few years now and I love it. There customer service is awesome and the prices are affordable.
Danyale W.
Quick easy experience! The rep was knowledgeable & pleasant. Customer care was awesome to respond and clarify my concerns.
Kathy Ann A.
bizinsurance makes purchasing Business Insurance...SIMPLE!
Andrea W.
Great quality of Service ,faster and convenience way to pay at most. Thank you for your Service to my Healthcare Facility .
Quick and easy!!!!
Great service! Easy process and very informative representative. Andrea was great and very patience with our process. I would recommend using them!!
Terrance R.
Always and easy process. Thanks!
Gerald S.
Renewal was quick and easy online
Angelita K.
I had a great experience working with Andrea from BizInsure. She was extremely knowledgeable, helpful, and responsive throughout the entire process. She guided me through the different options available and helped me find the perfect home care professional liability insurance policy that suited my needs. Her professionalism and expertise made the entire experience smooth and hassle-free. I highly recommend working with Andrea and BizInsure for all your insurance needs.
Juliette S.
Easy to submit an application and to get quotes
Simone S.
I had the most pleasant prompt and professional experience of my life with Bizinsure. Everything was completed in record time, at an unbelievable cost…and my certificate of Insurance was promptly emailed to me. Most of all it was effective immediately. No hassle no back & forth, just great service highly recommend to all small businesses.
Marcia S.
advanced U.
Great service. Very professional and cordial. Thanks
Jeremiah U.
BizInure has been a great company for our insurance needs. I wish customers services was 24/7, that would make it a five stars
Novilette L. J.
Google Rating
Based on 242 reviews