Professional Liability
Covers malpractice claims from clients alleging negligent care, medication errors, or failure to follow care plans.
Home Health Care Agency Insurance for In-Home Care Providers
Home health agencies face professional liability, client injury claims, and HIPAA risks across dozens of client locations. We compare multiple carriers to protect your home care business.
Coverage
What does Home Health Care insurance cover?
The right insurance program for your Home Health Care business combines multiple coverage types to protect against the specific risks your industry faces. Here are the key coverages to consider:
General Liability
Covers client or family member injury during home visits, and property damage at client residences.
Workers' Compensation
Covers your home health aides and nurses for back injuries, patient handling accidents, and slip-and-fall incidents.
Commercial Auto
Covers agency vehicles and mileage-reimbursed travel to client homes by your caregivers and nurses.
Cyber Liability & HIPAA
Covers PHI breaches from patient records, remote access systems, and HIPAA compliance incident response.
Who needs it
Who needs Home Health Care insurance?
If you operate a Home Health Care business, protecting your operations, assets, and clients with proper insurance coverage is essential. This includes:
- Licensed home health agencies (HHAs) — Required by state licensure and Medicare certification to maintain professional and general liability coverage.
- Non-medical companion and personal care companies — Assist vulnerable adults with daily tasks, where accidents in the client's home create serious liability.
- Visiting nurse and skilled nursing services — Administer medications and clinical care at home, where any error can result in serious malpractice claims.
- Private duty care and concierge nursing agencies — Provide one-on-one care to high-needs clients where errors carry both medical and legal consequences.
Why Ashmont Insurance Agency
The smarter way to insure your Home Health Care business
Our platform removes the guesswork from finding the right coverage at the best price.
Instant comparison
Our platform analyzes your Home Health Care business profile and compares policies from multiple carriers in seconds, surfacing the best coverage combinations at prices a traditional broker would take weeks to find.
Multiple top-rated carriers
We work with America's leading commercial insurers including The Hartford, Travelers, Chubb, CNA, Liberty Mutual, and more. More options mean better rates and broader coverage for your business.
Licensed advisors on demand
Our platform handles the research, but licensed commercial insurance advisors are always available to review your Home Health Care coverage, answer questions, and help you make the right decisions for your business.
FAQ
Frequently asked questions about Home Health Care insurance
Have more questions? Our licensed advisors are available by phone, email, or chat.
Home health care agency insurance typically costs $3,000–$10,000 per year depending on the number of caregivers, billable hours, and services offered. Skilled nursing agencies pay more than non-medical companion care companies. Ashmont Insurance Agency compares multiple carriers for competitive rates.
Most states require licensed home health agencies to maintain professional liability coverage as a condition of licensure. Medicare and Medicaid certification also require minimum liability coverage. Check your state health department requirements.
Workers' compensation for home health agencies covers caregivers for injuries sustained while working at client homes — including back and musculoskeletal injuries from patient lifting, slip-and-fall accidents, and exposure to bloodborne pathogens.
Yes. Independent HHAs working outside of agency employment should carry their own professional liability and general liability insurance. Homeowners' insurance does not cover professional care services performed in a client's home.
Yes. Ashmont Insurance Agency lets you compare home health care insurance from multiple carriers online in minutes. We evaluate your agency size, service types, caregiver count, and state to find your most competitive options.
Ready to protect your Home Health Care business?
Compare Home Health Care insurance quotes from multiple carriers the same day. No obligations, no phone tag — just smarter coverage for your business.