Home Care Business Insurance Built for the Work You Actually Do

Most home care agencies carry general liability, professional liability, and workers compensation as the core of their program. Agencies with company vehicles add commercial auto, and many add an umbrella policy plus sexual abuse and molestation coverage. The right mix depends on whether you provide skilled medical care, run a fleet, and how many caregivers you employ.

Premiums vary by revenue, employee count, services provided, state, and claims history. A small agency pays far less than a 50-employee operation running vehicles and skilled nursing. We price each program to the actual risk rather than a one-size template, and we show you where the real cost drivers are before you buy.

Yes. New agencies with no claims history can get coverage, and we work with carriers who write startup home care risks. We help you meet the insurance requirements in your state licensing application so you can open without delays.

Yes. We place coverage through exclusive carrier programs built for home care, so we can put a program together for your agency wherever you operate. Home care regulation and insurance minimums change at the state line, so we match your program to the rules where you actually work, including states with their own malpractice caps and bonding requirements.

Send us your details through the quote form and a specialist reviews them the same business day in most cases. For straightforward risks we turn quotes around quickly. Call (337) 345-4410 if you need to move faster.

We place coverage with A-rated carriers that specialize in home care and home health risks. That carrier access matters when a claim hits, because a financially strong insurer pays what it owes without a fight.

For a home care provider, yes. Abuse and molestation allegations are among the most damaging claims an agency can face, and standard liability policies exclude them. That exclusion covers the founded allegations and the false ones that still cost a fortune to defend. This coverage responds to those claims, defense costs included. Caregivers work alone with vulnerable clients in private homes, so a dedicated limit, commonly $1 million, is one of the most important coverages an agency carries rather than an afterthought.

Almost certainly. Workers compensation is required by state law once you employ caregivers, and the point at which it kicks in changes at the state line. Some states require it from your first employee with no payroll floor, others set a headcount threshold, and part-time and seasonal staff usually count toward it. Caregiving is physical work, so lifting strains and transfer injuries are the claims we see most. We check the rule in the state where you actually operate rather than assume a national answer.

They cover two different ways a client gets hurt. General liability answers the physical accident: a caregiver knocks over a lamp, a client slips during a visit, something in the home is damaged. Professional liability, sometimes written as errors and omissions, answers the care itself, meaning a claim that your service or clinical judgment caused harm. A medication error is professional liability. A fall over equipment left in a hallway is general liability. Most agencies carry both, because one policy leaves the other gap wide open.

Yes, and it is a common setup. What changes across a border is the rulebook: licensing categories, workers compensation thresholds, insurance minimums, and in some states bonding or malpractice caps. A program built for one state can leave you short in the next one. We build multi-state programs to satisfy each state your caregivers actually work in, and we place them through exclusive carrier programs written for home care rather than stitching separate policies together.

That is a real exposure and it sits with the agency, not the caregiver. A personal auto policy is written for personal driving, and it usually will not respond to an accident on a work trip between clients. Because the caregiver was working for you, the agency can be pulled into the claim even though it owns no vehicle. Hired and non-owned auto coverage is what answers it, and nearly every agency needs it since almost all caregivers drive their own cars.

The first thing your policy does is pay to defend you, which matters because defense costs run up long before anyone decides whether the claim has merit. Which policy responds depends on the allegation: general liability for a physical accident, professional liability for the care delivered, abuse and molestation coverage for those allegations specifically. Tell us as soon as you know, not after you have answered the family yourself. We handle the carrier side and stay on the claim with you.