Professional Liability Insurance
Addresses claims related to the quality or delivery of in-home care services.
How it worksHealth & Care
Insurance for Home Health Care Agencies
Protect your caregivers, your clients, and your agency wherever the work happens.
One application, shopped to our A-rated carrier network. Number of offers depends on carrier appetite for your class, state, and loss history.
What underwriters look at
Home health agencies operate differently from a typical medical office because the work happens inside clients' homes rather than a controlled clinical setting. That shift means general liability and professional liability coverage both need to account for incidents that occur off-site, such as a client injury during a caregiver visit or an accusation of improper care.
Caregivers frequently drive between client homes throughout the day, often using their own vehicles, which creates a commercial auto exposure that many agencies underestimate. Non-owned and hired auto coverage is typically added to address liability when employees use personal cars for work-related driving, since personal auto policies often exclude business use.
Because home health work involves close, hands-on contact with vulnerable clients, agencies also face exposure to allegations of abuse, neglect, or theft. Many agencies carry professional liability tailored to home health, and some add employee dishonesty or crime coverage given how much unsupervised access caregivers have to clients' homes and belongings.
Client injury during care visits
Falls, medication errors, or mishandled equipment during a home visit can lead to liability claims against both the caregiver and agency.
Caregiver auto accidents between visits
Frequent driving between client homes increases accident exposure, especially when personal vehicles are used for work.
Allegations of neglect or theft
Unsupervised access to clients' homes and belongings can lead to disputes or claims that are costly to defend even when unfounded.
Caregiver injury on the job
Lifting and transferring clients is physically demanding and a leading cause of workers comp claims in this industry.
The coverage stack for home health care
Most owners in this class start here. A licensed agent will confirm what your contracts, state, and payroll actually require.
General Liability Insurance
Covers everyday incidents like property damage or injury that occur during a client visit.
How it worksCommercial Auto Insurance
Protects caregivers and the agency when company vehicles are used for client visits and errands.
How it worksWorkers' Compensation Insurance
Covers medical costs and lost wages for caregivers injured while lifting or assisting clients.
How it worksWhat it typically costs
Premiums for home health agencies typically depend on caregiver headcount, the level of medical care provided, and whether staff drive company or personal vehicles for visits.
| Business size | Typical annual range |
|---|---|
Small agency (1–10 caregivers) Covers basic non-medical home care with limited staff. | $3,000 – $7,500 / yr |
Mid-size agency (10–40 caregivers) Reflects higher staff count and more client visits per day. | $7,500 – $22,000 / yr |
Large agency with skilled nursing Covers higher-acuity care with licensed nursing staff and expanded liability limits. | $22,000 – $60,000+ / yr |
Illustrative ranges only. Premium varies by state, carrier, limits, payroll, and loss history — it is not a quote.
What moves your premium
- Number of caregivers and total visit volume
- Level of medical versus non-medical care provided
- Use of company-owned versus personal vehicles
- Client acuity and services offered
- Claims and incident history
- Background check and training practices
Home Health Care insurance questions
Ready to compare home health care quotes?
One application. Up to 10 competing quotes from A-rated carriers. A licensed agent presents your best options, usually within one business day.