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Why do home healthcare providers need business insurance?
As the owner of a home healthcare agency, you know the challenges of working with a vulnerable population. Business insurance provides financial protection against slip-and-fall injuries, lawsuits, and other risks so that you can continue to provide the best health service possible.
Find the right coverage
Insureon helps home health aides (HHAs), certified nursing assistants (CNAs), registered nurses, and caregivers find insurance policies that fit your business.
Fill out one free application to compare quotes from top carriers. Our expert insurance agents will help you every step of the way.
What types of insurance do home healthcare aides need?
These policies cover the most common risks of home healthcare.
General liability insurance
A general liability policy covers basic home healthcare risks, such as an elderly patient falling and breaking a hip. Bundle it with property insurance to save in a business owner’s policy.
BEST FOR
- Accidental bodily injuries
- Damaged patient property
- Libel and other advertising injuries
Professional liability / medical malpractice
A professional liability insurance policy pays for legal defense costs related to mistakes and oversights. It's also called malpractice insurance or errors and omissions insurance.
BEST FOR
- Improper medical treatment
- Accusations of negligence
- Mistakes or oversights
Workers’ compensation insurance
Most states require workers’ comp for home healthcare services that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Lawsuits over employee injuries
Commercial auto insurance
Most states require commercial auto insurance for vehicles owned by a home healthcare business. It helps cover the cost of an accident involving your business vehicle.
BEST FOR
- Damage caused by your vehicle
- Medical bills from an auto accident
- Vehicle theft and vandalism
Cyber insurance
This policy helps home healthcare businesses survive data breaches and cyberattacks. It can often be added to a BOP or general liability policy for savings.
BEST FOR
- Cost of notifying affected clients
- Lawsuits over a data breach
- Fraud monitoring costs
Fidelity bonds
Fidelity bonds provide reimbursement for your client if one of your employees steals from them, including unlawful data access. They're also called employee dishonesty bonds.
BEST FOR
- Employee theft or fraud
- Unlawful data access by an employee
- Illegal fund transfer by an employee
Looking for different coverage? See more policies.
How much does insurance cost for home healthcare professionals?
Home healthcare professionals who offer medical care will pay more for insurance than non-medical caregivers.
Factors that affect insurance costs for home healthcare providers include:
- Home care services offered
- Medical equipment and property
- Business income and size
- Where your business operates
- Number of employees
- Types of business insurance purchased
- Coverage options, including policy limits
How do I get home healthcare provider 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 with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed agents work with top-rated U.S. insurers 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.
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