Iowa Home Health Agency Insurance — The Honest Guide

Required by Iowa regulators

Iowa licensed home health and home care agencies must carry:

1. **Professional Liability** — typically $1M/$3M minimum, naming each licensed caregiver 2. **General Liability** — typically $1M/$2M aggregate 3. **Workers Compensation** — Iowa is NOT monopolistic; written through standard private carriers 4. **Surety Bond** for agencies handling client funds (similar to Ohio's skilled nursing bond)

Medicaid contracts add their own requirements — typically higher PL limits and HNOA on commercial auto.

Smart additions every Iowa agency carries

**Employee Dishonesty Bond** — covers theft from your business or your clients. $250–$1,200/year for typical limits.

**Cyber Liability** — HIPAA breaches are catastrophic for small agencies. $600–$1,500/year for $1M coverage.

**Commercial Auto / Hired & Non-Owned Auto** — covers caregivers driving their personal cars on home visits. Often required by Iowa Medicaid contracts.

**Umbrella** — extra $1M+ liability sitting on top of GL/PL/auto.

Typical Iowa agency premiums

For a 20-employee Iowa home health agency:

• GL ($1M/$2M): $600–$1,500/year • Professional Liability ($1M/$3M): $1,000–$3,000/year • Workers Comp: 1.5%–3.5% of payroll for class 8835 in Iowa • Dishonesty Bond ($100K): $400–$900/year • Cyber ($1M): $600–$1,500/year • Commercial Auto (HNOA only): $400–$900/year

Total for a 20-employee Iowa agency: roughly $5,000–$10,000/year all-in.

Same-day Iowa quotes

Noah Insurance Agency LLC is licensed in Iowa and writes home health agencies from Des Moines to Sioux City. Most GL and Professional Liability quotes come back same business day. Call 814-718-0060 or visit noahia.com.