Des Moines Home Health Insurance — Polk County Coverage Guide
Iowa Department of Inspections and Appeals (DIA) licenses home health and home care agencies. Polk County (Des Moines metro) carries the densest market and the most specific insurance expectations.
Iowa DIA requirements
Iowa licensure requires liability insurance attestation, workers comp (Iowa is mandatory for 1+ employee — no minimum payroll), and proof of bond coverage if you hold client funds. Iowa Medicaid waiver agencies also need a $25K+ employee dishonesty bond.
Typical Des Moines premiums
20-caregiver agency, $1M revenue: GL $900–$1,500, PL $1M/$3M $1,700–$3,000, WC ~3% of payroll, Cyber $2,000–$3,800. Annual total: $7,500–$14,000.
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