Home Health Aide and Care Insurance

Home Health (Medical)
Helping hands on blurred background, closeup.
Choose from the nation's best insurance providers
Logos of Insureon's business insurance carrier partners

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 in-home health service possible.

Home healthcare provider working with a patient.
Light bulb

Find the right coverage

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.

What types of insurance do home healthcare aides need?

These policies cover the most common risks of home healthcare.

General liability insurance icon

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 with a business owner’s policy.

BEST FOR
  • Accidental bodily injuries
  • Damaged patient property
  • Libel and other advertising injuries
Medical malpractice icon

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 icon

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
  • Legal fees from employee injuries
Commercial auto insurance icon

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 icon

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 bond icon

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?

A healthcare worker calculating insurance costs.

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:

  • 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 and additional insureds

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 (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.

Verified business insurance reviews

Hear from customers like you who purchased small business insurance.

FAQs about home healthcare business insurance

Review frequently asked questions about HHA liability insurance and more.

Are home healthcare agencies required to carry liability insurance?

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:

  • A home nurse administering the wrong medication or dosage, leading to an adverse reaction or hospitalization.
  • An aide failing to reposition a bed-bound patient regularly, resulting in pressure ulcers or infections.
  • A home health aide neglecting to report a significant change in a patient’s condition, causing delayed treatment and complications.

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.

What other insurance coverages do home health aides (HHAs) need?

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:

  • Telehealth liability coverage: As more home healthcare services incorporate virtual visits, telehealth coverage has become increasingly important. This insurance helps protect against miscommunication or misdiagnosis that occurs during a remote session, which can still lead to malpractice claims.
  • Needlestick and sharps injury insurance: HHAs who handle injections or blood draws are at risk for accidental needle injuries. Needlestick coverage helps cover medical costs, testing, and post-exposure treatment following an incident – protecting both the caregiver and the agency.
  • HIPAA liability insurance: Working with sensitive patient data makes HIPAA compliance critical. If there’s a breach or accidental disclosure of protected health information (PHI), HIPAA insurance can help cover legal fees, notification costs, and regulatory fines.

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.

How do home healthcare providers differ from caregivers?

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.

How do occurrence and claims-made insurance policies differ?

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.

Find home health aide insurance quotes

Save money by comparing insurance quotes from top-rated carriers.