Ohio· 5 min read·Updated 2026-03-02
Dayton Home Health Insurance — Montgomery County Coverage Guide
Dayton's home health market is dominated by Premier Health and Kettering Health contractor referrals. Both hospital systems require specific minimum insurance limits.
Hospital system requirements
Premier Health and Kettering Health typically require $1M/$3M Professional Liability, $1M/$2M General Liability, Workers Comp on all caregivers, and a current Skilled Nursing Bond filed with ODH. They also ask for HIPAA / cyber attestation.
Typical Dayton premiums
15-caregiver Dayton home care agency: GL $750–$1,300, PL $1M/$3M $1,400–$2,600, WC 3%–5% of payroll, Cyber $1,800–$3,200. Annual total: $6,500–$11,500.
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