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 in-home health service possible.
Insureon helps home health aides (HHAs), certified nursing assistants (CNAs), registered nurses, and caregivers find insurance policies that fit their business.
Fill out one free application to compare quotes from top carriers. Our expert insurance agents will help you every step of the way.
These policies cover the most common risks of home healthcare.
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 with a business owner’s policy.
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.
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.
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.
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.
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.
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 during underwriting include:
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:
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.
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Review frequently asked questions about HHA liability insurance and more.
Home healthcare agencies aren't always required by state law to carry home health malpractice insurance, but it's frequently mandated by healthcare facilities, networks, and client contracts. Even when it’s not legally required, carrying malpractice insurance is a smart risk management strategy. It helps protect your agency from the high costs of lawsuits related to professional negligence.
Medical malpractice covers claims that arise when a caregiver makes a mistake or fails to meet the accepted standard of care, resulting in harm to a patient. In a home healthcare setting, this could include:
These are real risks that can lead to costly legal battles and settlements – even when unintentional. That’s why many healthcare providers, including Medicare-certified agencies and facilities with hospital partnerships, require proof of malpractice coverage before working together.
In addition to medical malpractice insurance, home health aides often need several other types of insurance coverage to fully protect their work and comply with industry standards. Choosing the right HHA insurance can help safeguard against financial losses tied to data breaches, workplace accidents, and telehealth-related liabilities.
Here are a few key policies to consider:
The right HHA insurance package varies depending on the services provided and any requirements set by your clients or the state. But regardless of your setup, a well-rounded insurance plan helps protect your livelihood and build trust with patients and partners.
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.