West Virginia Home Health Care Insurance

  • Compare quotes within minutes.
  • Purchase online to instantly receive your coverage confirmation
  • Only high-quality, A-rated insurance companies are available

Home Health Aide quotes

Home Health Agency quotes

West Virginia Agency for Home Health Insurance

Home Health Aides provide high-quality treatment and care to their patients. No matter if you work as a team or on your own, you know how important it can be for patients to be able to live at home. You are able to offer excellent assistance to those around you, but who is supporting you?

BizInsure makes it easy for West Virginia Home Health Aides to obtain insurance that will protect their small businesses. Insurance options are available for home health aide agencies across West Virginia, so no matter where in the state you work—from Beckley to Cumberland—you’ll be covered.

Why become a home health aide in West Virginia?

Home Health Aides are in high demand across every state, including West Virginia. If you’re interested in working in healthcare, this could be an excellent way to get into the field and make a positive impact on patients across the Mountain State.

There are just about 15,680 home health aides and personal care aides in West Virginia, 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 West Virginia earn an average annual salary of $22,200 or an average hourly wage of $10.68. West Virginia 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 Cumberland and Morgantown are $25,160 and $21,880, respectively.

Why do home health care providers in West Virginia require insurance?

Home health aides help those who are elderly, disabled, and chronically ill. These patients can live in safety and comfort in their own homes thanks to the services that you provide. However, this could expose you to expensive liability claims or lawsuits.

Accidents happen and, if you’re responsible, you could be required to pay a victim or their family. The process of settling lawsuits and claims can be expensive. They can take your money and even threaten your job. West Virginia offers insurance for home care professionals to assist home care aids, home health agencies, and other care providers protect their finances.

Did you Know?

General Liability insurance provides protection against unfounded claims and real ones.

West Virginia Home Healthcare Business Insurance

Home health aides and other health professionals typically consider many kinds of insurance to safeguard them while they work.

General Liability Insurance

Your General Liability insurance policy can protect you against any claim by an outside party regarding injury or damage to their property. In these instances, your policy will cover your legal expenses as well as your cost to replace or remedy the situation up to the limits of liability.

This protection is available for both claims that have merit and those without merit. General Liability insurance can also be offered as Commercial General Liability (CGL) or “slip and fall” insurance.

What is usually covered?

General Liability insurance covers lawsuits and claims that are a result of:

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


General Liability policies also cover third-party claims that have no merit. Baseless claims can prove expensive to settle. A General Liability policy provides home health aides and other agencies more security while caring for patients by safeguarding their financial assets.

What is usually not included?

These events will likely not be covered by your General Liability insurance policy:

  • Personal workplace accidents and workers’ comp claims
  • Personal or business property damage
  • Intentional damage to a third-party’s property
  • Mistakes and errors in your work


A General Liability policy may not be able to cover certain situations. Complete details regarding your coverage will be included in your policy documents.

Professional Liability Insurance

Professional Liability insurance protects your business against claims of negligence, misrepresentations, or mistakes. Professional Liability claims are typically made by clients who allege some form of financial damage as a result of your services, products or employees. It also covers you against third-party claims arising from professional negligence.

Both meritless and true claims will be protected by these policies. Professional Liability insurance is also offered as Errors and Omissions (E&O) insurance.

What is usually covered?

Professional Liability insurance covers legal expenses that may result from:

  • Professional services and advice that contain errors, mistakes, or omissions
  • Negligence claims
  • Services not delivered or deadlines missed
  • Contracts that are breached


Clients often bring these types of claims against you claiming that your work has resulted in financial loss. Professional Liability insurance offers protection even if there’s no basis for the claim.

What isn’t normally included?

Certain events are not covered by Professional Liability insurance, including:

  • Bodily injury to third parties
  • Damage to property owned by third parties
  • Workplace injuries or claims for workers’ compensation


Refer to your policy documents for more details on what your Professional Liability insurance covers.

Miscellaneous Medical Liability Package for Home Health Care Providers

Home health aides and agencies often need more than one type of insurance to safeguard their businesses from different risks. BizInsure also provides a Miscellaneous Medical Liability package which includes common coverages that home health care providers are likely to consider.

This includes General Liability and Professional Liability insurance, plus Cyber Liability to protect you against malware-related attacks, data breaches and other incidents that could hurt your business.

Who may need home care insurance?

West Virginia’s home health care professionals may need home care insurance.

  • Home Health Aides –Subcontractors, sole proprietors, and independent contractors might require insurance to protect their patients as well as themselves.
  • Home Healthcare Agencies – Protect your small business and your employees, with insurance for home health agencies.
  • Other Healthcare Practitioners – There are many healthcare professionals that may benefit from business insurance such as nurses, physical therapists and caregivers.


BizInsure offers insurance coverage that covers West Virginia’s home health aides and agencies. Start a quote to compare policies in minutes!

How much does West Virginia’s Home Healthcare Insurance cost?

Costs for home care insurance in West Virginia can vary based on the type of business you run. Your insurance premiums will be determined by your company’s unique structure.

Some of these factors may be considered when calculating the cost of business insurance:

  • Your qualifications and educational background – Have you been adequately trained for the job? Do you hold the correct licenses to work as a healthcare provider in West Virginia?
  • The town, city or county where you – Care providers in cities, such as Charleston or Morgantown, are likely to pay more than ones based in less populated areas.
  • Your history of claims – A record of past claims can result in higher insurance premiums.
  • The amount of coverage you require – A higher level of coverage usually means higher premiums. Clients might require you to have a minimum amount of coverage to work with them.


Comparing  quotes from multiple insurance companies can help you find home healthcare insurance that suits both your business and your budget.

Frequently Asked Questions (FAQs)

What are the risks home healthcare providers face in West Virginia?

West Virginia home healthcare providers are highly skilled and provide excellent customer treatment. However, working so closely with other people in their own homes could pose unique risks. Insurance is a way to deal with some of the dangers you could encounter.

  • General Liability insurance – You accidentally smash and break an expensive vase in the patient’s home. General Liability insurance could be helpful in cases like this one.
  • Professional Liability insurance – Your knowledge and skill are important to your patients and their families. You could be accused of negligence if you commit a mistake during your care or if you fail to live up the expectations of the patient.
  • Cyber Liability insurance – Healthcare agencies can keep sensitive patient data. Cyber Liability insurance is available to help you recover from a data breach or malicious attack, as well as any other online damage to your company.


BizInsure helps organizations and home health aides locate business insurance that can address the unique dangers you face each day.

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

West Virginia does not have licensing requirements for home health aides. There are however additional requirements you must be able to meet in order to be licensed in West Virginia.

The following requirements must be met for those who want to work at a West Virginia-based home health agency that is Medicare/Medicaid approved:

  • Pass competency evaluation
  • Complete 75 hours
  • Complete 16 supporting hours of clinical training


When you work for the agency, it’s likely that you’ll receive regular training.

To work as a Medicaid-certified independent health aide in West Virginia You will be required to:

  • Make an appointment at the West Virginia Department of Jobs and Family Services
  • Get a background check for your state.
  • You can request a background investigation by the FBI if you have not resided in the state for more than five years.


You’ll want to safeguard your job and the business you’ve built once you’ve put in the effort to be a home healthcare aid. West Virginia offers home healthcare business insurance that guards against common risks. It can provide you with greater peace of mind and protect your finances from expensive lawsuits.

© 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