Minnesota· 5 min read·Updated 2026-03-05
Minneapolis Home Health Insurance — Hennepin County Guide
Minnesota Department of Human Services (DHS) licenses Comprehensive Home Care Providers and Basic Home Care Providers. Minneapolis is the densest market. Here's the program.
Minnesota DHS requirements
Both Comprehensive and Basic Home Care Provider licenses require liability insurance attestation. Comprehensive licenses (skilled visits) typically need $1M/$3M PL minimum; Basic (PCA-only) can sometimes carry $500K/$1M but most underwriters write at $1M minimum.
Typical Minneapolis premiums
25-caregiver agency, $1.3M revenue: GL $900–$1,500, PL $1M/$3M $1,800–$3,200, WC ~2.5%–4% of payroll (MN), Cyber $2,500–$4,500. Total: $8,500–$15,500.
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