Ohio Home Health Agency Insurance Requirements (2026)

The four required policies

Ohio Department of Health requires home health agencies to maintain four core insurance lines before they will issue or renew your license:

1. **Skilled Nursing Bond / Surety Bond** — protects resident personal funds (ORC § 3721.15) 2. **Professional Liability (E&O)** — typically $1M/$3M for the agency and named caregivers 3. **General Liability** — typically $1M/$2M aggregate covering bodily injury and property damage 4. **Workers Compensation** — Ohio is a monopolistic state, filed through the Ohio BWC

The state does not technically require auto coverage for caregiver personal vehicles, but every major contract you'll sign (Medicaid, hospital partners) will require Hired & Non-Owned Auto (HNOA) on your commercial policy.

Recommended (not required) but every smart agency carries

**Employee Dishonesty Bond / Fidelity Bond** — the surety bond only protects residents. If an employee steals from your business (billing fraud, cash, supplies), this is the only thing that pays YOU back.

**Cyber Liability** — HIPAA data, EHR systems, ransomware. A single breach can shut a small agency permanently.

**Umbrella Policy** — $1M extra liability sitting on top of GL/auto/PL is usually $400–$800/year and gives huge sleep-better-at-night value.

Typical premiums for a mid-sized Ohio agency

For an Ohio home health agency with ~25 employees and modest revenue:

• GL ($1M/$2M): $700–$1,800/year • Professional Liability ($1M/$3M): $1,200–$3,500/year • Skilled Nursing Bond ($10K): $100–$250/year • Employee Dishonesty ($100K): $400–$900/year • Workers Comp: Ohio BWC base rate × payroll × experience modifier • Cyber ($1M): $600–$1,500/year

Total for a typical 25-employee Ohio home health agency: roughly $6,000–$12,000/year all-in.

How fast can you get bound?

Noah Insurance Agency LLC issues most Ohio home health GL and Professional Liability quotes in **under 10 minutes**. Skilled nursing bonds are usually bound same business day. Workers Comp BWC filings take 5–7 business days due to state processing. Call 814-718-0060 or quote at noahia.com.