Home Health Aide and Care Insurance

It’s easy to get insurance coverage or a fidelity bond for home health aide services if you have your business information on hand. Our application will ask for basic facts about your small business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance (COI) with Insureon in three easy steps:

1. Complete a free online application.
2. Compare insurance quotes and choose policies.
3. Pay for your policy and download a certificate.

Insureon's licensed agents work with top-rated U.S. insurance companies to find coverage that fits home health businesses, whether you're an independent contractor or hire employees. Get peace of mind knowing you have the right insurance.

While the terms "home healthcare provider" and "caregiver" are sometimes used interchangeably, there are important differences in their roles, responsibilities, and associated risks – especially when it comes to insurance needs.

Home healthcare providers, such as home health aides, typically offer medical services under the supervision of a licensed nurse practitioner or physician. Their duties may include administering medication, wound care, checking vital signs, and assisting with rehabilitation exercises.

Because they provide clinical care, HHAs face greater liability exposure and often need medical malpractice insurance to protect against claims of professional negligence.

In contrast, nonmedical caregivers or personal care aides assist clients with daily living activities, such as bathing, dressing, cooking, housekeeping, and companionship. While their work is critical for supporting seniors and individuals with disabilities, they don’t provide medical treatment.

However, they still face risks like accidental injuries, property damage, or allegations of abuse or neglect, making general liability and professional liability insurance important safeguards.

Understanding the distinction between these roles is essential when selecting insurance coverage, as the level of risk—and required protection—varies based on the services you provide.

When choosing liability insurance, it’s important to understand whether your policy is claims-made or occurrence-based, as it affects when you’re covered – and for how long.

Claims-made policies provide coverage only if the claim is made while the policy is active (or during an extended reporting period, if added). This means if a lawsuit is filed after your policy ends, you’re not covered, unless you purchase tail coverage. Claims-made policies are often used for professional liability and medical malpractice insurance.

Occurrence-based policies, on the other hand, provide coverage for incidents that happen during the policy period, even if the claim is filed years later. These policies are typically more expensive upfront but offer long-term protection for past services.

For example, if a home health aide provides care during their policy period, but is later sued years after the policy has ended, an occurrence policy would still cover the claim. A claims-made policy would only provide coverage if it was still active in the year the claim was filed or extended with tail coverage.

Understanding the difference can help you avoid unexpected gaps in coverage – especially in fields like home healthcare, where claims may arise long after care is provided.