Minnesota Home Health Licensure & Insurance — 2026 Guide

Minnesota's three home care license types

MN Department of Health licenses home care providers in three tiers:

1. **Basic Home Care Provider** — homemaking, companion services, no clinical care 2. **Comprehensive Home Care Provider** — skilled nursing, therapies, full clinical care 3. **Assisted Living Home Care** — care delivered in licensed assisted living facilities

Each tier has progressively stricter staffing, training, and insurance requirements.

Required insurance lines

All MN home care providers must carry, at minimum:

• **Professional Liability** — typically $1M/$3M minimum • **General Liability** — $1M/$2M aggregate • **Workers Compensation** — Minnesota is private-carrier state; multiple markets available • **Surety Bond** for agencies handling client trust funds

Comprehensive home care providers (Tier 2) typically need higher Professional Liability limits and clinical-specific endorsements.

Typical 2026 Minnesota premiums

For a 25-employee Minneapolis-area comprehensive home care agency:

• GL: $800–$1,800/year • Professional Liability: $1,500–$4,000/year • Workers Comp: 2.5%–4.5% of payroll for class 8835 • Dishonesty Bond ($100K): $400–$900/year • Cyber ($1M): $700–$1,800/year

Total: roughly $7,000–$15,000/year all-in.

Twin Cities and statewide

Noah Insurance Agency LLC is licensed in Minnesota and writes home care providers across the Twin Cities, Rochester, Duluth, and statewide. Same-day GL and PL quotes. Call 814-718-0060.