Know the business. Then the risk.
Insurance built from the operation outward.
The strongest program starts with how your organization works: where people operate, what contracts require, which assets matter most, and where a disruption would hurt.
Start a conversationExposures we examine
Details change the program.
- Care delivered in clients’ homes
- Abuse, neglect, and theft allegations
- Caregivers driving personal vehicles, sometimes with clients
- Lifting, transfer, and travel injuries to caregivers
- Client health information and payer data
Commonly coordinated coverages
A coverage list is not a recommendation by itself. Limits, forms, exclusions, contracts, locations, and loss experience all matter.
What we look at
Where home health & home care agencies programs get specific.
Professional and general liability
Home care agencies need coverage for the services caregivers provide and for injury or property damage in a client’s home. Skilled home health and non-medical companion care are underwritten differently, so the service mix should be clear.
Abuse, neglect, and theft allegations
Working one-on-one with elderly or vulnerable clients brings allegations that many standard policies limit. Abuse and molestation coverage and third-party crime or fidelity bonds are commonly reviewed, along with hiring and background check procedures.
Caregivers on the road
Caregivers often drive between clients and may run errands or transport clients. Hired and non-owned auto liability, driver checks, and clear policies on client transport are things underwriters ask about.
State licensing and payer requirements
State licensing agencies, Medicaid waiver programs, and referral partners may require specific coverage or bonds. We help review those requirements and issue certificates when contracts call for them.
Questions we hear
Frequently asked questions
What insurance does a home care agency need?
Agencies commonly review professional liability, general liability, abuse and molestation, hired and non-owned auto, workers’ compensation, crime or fidelity bonds, and cyber. Needs vary by services and state.
Does my agency need coverage for caregivers driving their own cars?
If caregivers drive for work, hired and non-owned auto liability is commonly considered, since a claim can reach the agency. Personal auto policies may respond differently to business use.
Are caregivers covered if they’re independent contractors?
It depends on the policy and how workers are classified. Review the policy definitions and your state’s classification rules.
A better submission
Give underwriters a clear view of the risk.
We organize the operational story, current coverage, loss information, schedules, and relevant controls before approaching appropriate markets. That helps the conversation focus on underwriting fit—not missing information.
Coverage availability, terms, conditions, exclusions, and pricing vary by insurer and underwriting. This information is general and is not a representation of coverage under any specific policy.