Iowa· 4 min read·Updated 2026-03-04
Quad Cities Home Health Insurance — Iowa-Side Guide
Quad Cities home health agencies operating from the Iowa side often serve Illinois clients. Here's how that affects insurance.
Cross-border coverage
If your aides cross into Illinois for client visits, your General Liability and Professional Liability must include Illinois as a covered territory. Most multi-state forms automatically include all 50 states — but verify on your declarations page.
Premium ranges
12-caregiver Quad Cities agency: $5,500–$10,500/year total. Iowa-Illinois HNOA endorsement adds $100–$250/year.
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We are licensed in both Iowa and Illinois. 814-718-0060.
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