Business Insurance for Home Healthcare Providers

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Home Health/Homecare/Hospice

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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.

Home healthcare provider administering medication to an elderly client.

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

Business owner’s policy

A BOP bundles commercial property insurance and general liability coverage under one plan. It's often the most cost-effective type of commercial insurance for in-home care.

BEST FOR

Slip-and-fall accidents
Client property damage
Business property damage and theft

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

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

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 liability 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

Looking for different coverage? See more policies.

How much does business insurance cost for healthcare professionals?

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Home healthcare professionals who offer medical care will pay more for insurance than non-medical personal care aides.

Factors that affect the cost of insurance include:

Home care services offered
Medical equipment and property
Business income and size
Number of employees
Types of business insurance purchased
Coverage options, including policy limits

View Costs

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.

What our customers are saying

"I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes."

Richard C.

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"Raynaldo made quick work of things. I told him what I needed, and ultimately I had a certificate of insurance in a matter of hours."

Michael D.

Programmer

"The response time was almost immediate. The options I was given were based on my company's needs. I received the policy in record time."

Esther L.

Management consultant