Virginia Home Health Insurance — GL, PL & VDH Compliance Guide
If you operate a home health, home care, or personal care agency in Virginia, the Virginia Department of Health (VDH) and the Department of Medical Assistance Services (DMAS) require specific insurance lines before you can be licensed or contracted with Medicaid. Here's the plain-English Virginia compliance + insurance guide.
What insurance Virginia home health agencies need
VDH-licensed home care organizations (HCO) and home health agencies (HHA) in Virginia are typically required by either the licensing rules, by their Medicaid waiver contracts, or by their contracting hospital systems to carry:
• General Liability — $1M/$2M minimum, $2M aggregate is standard • Professional Liability — $1M/$3M minimum (caregiver E&O) • Workers Compensation — required by VA Workers Comp Commission once you have 3+ employees • Commercial Auto / Hired & Non-Owned Auto — required if employees use personal vehicles for client visits • Employee Dishonesty Bond — typically $10,000 – $50,000, required by DMAS for Medicaid-billing agencies • Cyber Liability — strongly recommended (PHI / EVV system)
Virginia-specific items
**EVV (Electronic Visit Verification) compliance** — Virginia DMAS has fully implemented EVV under the 21st Century Cures Act. Most cyber and PL underwriters now ask about your EVV vendor (Sandata, HHAeXchange, etc.) on the application.
**VDH licensure** — Home Care Organization (HCO) license requires liability insurance attestation on the renewal application.
**DMAS Medicaid waivers** — CCC Plus, DD waiver, EDCD: each has specific bond/insurance requirements that we map to your policy for you.
Typical 2026 Virginia premiums
For a Richmond, Norfolk, or Virginia Beach home care agency with 15–30 caregivers and $800K – $1.5M annual revenue:
• GL ($1M/$2M): $850 – $1,800/year • Professional Liability ($1M/$3M): $1,500 – $3,500/year • Workers Comp (class 8835, Virginia rates): 3% – 5% of payroll • Hired & Non-Owned Auto: $400 – $900/year • Employee Dishonesty Bond ($25K): $150 – $350/year • Cyber ($1M): $2,000 – $4,000/year
A typical small Virginia home care agency runs a combined program of $7,500 – $14,000/year (workers comp dominates this number).
Cities Noah Insurance Agency writes in Virginia
Richmond, Norfolk, Virginia Beach, Newport News, Chesapeake, Roanoke, Lynchburg, Charlottesville, Alexandria, Arlington, Fairfax, and the surrounding NoVA metros. We are Virginia-licensed and same-day quote turnaround applies.
Same-day Virginia quote
Get a Virginia home care or home health quote at noahia.com — most quotes back within 4 hours during business days. Call 814-718-0060 to speak with Noah directly.
Ready for a same-day quote?
Real broker. Real numbers. Same business day on most Virginia policies.