/ BLOG

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.

Marketing

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

Let's find

The coverage you need for your business

Professional Liability Insurance

Professional Liability Insurance

Get a quote

General Liability Insurance

General Liability Insurance

Get a quote

Business Owner’s Policy (BOP)

Business Owner’s Policy (BOP)

Get a quote

Workers Compensation Insurance

Workers Compensation Insurance

Get a quote

Let's find

The coverage you need for your business

Professional Liability Insurance

Professional Liability Insurance

Get a quote

General Liability Insurance

General Liability Insurance

Get a quote

Business Owner’s Policy (BOP)

Business Owner’s Policy (BOP)

Get a quote

Workers Compensation Insurance

Workers Compensation Insurance

Get a quote

Easy to navigate what you need. Always notify ahead of renewal!
Andrew is an asset to your company!
Liability Insurance is not enough for a smallbusiness. BizInsure also has Professional Liability Insurance to protect my business and team from unintended missteps. Thank you for making the process easy.
I renewed my policies , including a few updates, through the on-line portal. It was quick, easy and completed in a few moments. I will not have to revisit thias until 12 months from now. I printed out my documents and have no questions pertaining to my renewal. It was seamless. Thank you Biz Insure
Fast, Simple, convenient
This company is very efficient, easy to manuever their online renewal, I love it and would recommend to anyone.
Awesome service!
Very easy to work with, cost effective, prompt renewal and easy to get certificates of insurance instantly. I use them exclusively for my professional and general liability insurance needs as a consultant. They simply make my insurance be easy!
VERY PROFESSIONAL STAFF. CALLS ARE RETURNED PROMPTLY!!
Huge thank you to Andrea, she was patient, kind, & caring! Got my quote fast & at best price!
Excellent and Easy service - Thank you.
Amy was a delight to work with she help me with finding he right policy for my business I can't thank her enough for her help
I purchased liability insurance for my home care agency, Unlimited Gentle Care, and the process was seamless and straightforward, ensuring that every aspect of our liability was covered. This company also offers a great value for the extensive coverage my company receives
BizInsure was an easy way to purchase insurance for my business.Kaleb especially was a great help.Thanks,Rich Valentini
awsom service, perfect price and great policy
I have purchased General Liability Insurance for the past 4 years at BizInsure for my wedding videography small business. In these 4 years, it has always been a smooth process.There must've been some sort of technical issue (potentially due to my change in address), so my policy didn't auto-renew. I called Bizinsure and talked to Paulina, who was beyond helpful. She was very polite and explained things very well. One small detail that I can appreciate is that she often said my name, which shows that their customer service is intentional about personalized communication.In just a few minutes, we updated my account + renewed my insurance for a 5th year. I highly recommend Bizinsure!
great customer services.
This company allowed us an amazing experience, including very efficient, detail-oriented, and patient guidance from their commercial sales agent, Jenifer. I highly recommend this service for anyone in need of a business insurance policy.
Jennifer was very helpful and great to work with.
Very professional, fast and reliable. I appreciate their knowledge and experience. They have made this journey easier for me.
Very easy to renew! Thank you
super quick and easy process!
I am very satisfied with Bizinsure. No regrets
Very professional, easy, and thorough application process.
BizInsure is efficient and price friendly. I definitely reccommend them to anyone. Thank you.
Great process and very efficient.
Friendly and very fast service!
Jennifer Whiscombe, is an amazing agent. She was very knowledgeable, thorough and friendly. I highly recommend.
They make it very easy to buy insurance and renew.
As a business owner I love not wasting time. Thank you so much for giving me more time
Very straight forward, the cost of coverage amount made sense, simplicity was appreciated.
Always easy. Thank you.
A Company that is easy to deal with and that I have used for several years. I appreciate the continued support.
Very easy and affordable!
js_loader
Google Rating
4.7
Based on 299 reviews
×
js_loader