Wisconsin Home Care & Personal Care Agency Insurance — The Complete Checklist
Wisconsin's Division of Quality Assurance licenses home health agencies and personal care agencies, and IRIS / Family Care managed care organizations add their own coverage expectations. Here is the exact coverage stack Wisconsin agencies carry and what it costs.
The Wisconsin coverage stack
• General Liability $1M / $2M — slip-and-fall, property damage in a client's home • Professional Liability (E&O) $1M / $3M — care errors, medication reminders, failure to escalate • Workers' Compensation — required in Wisconsin once you have 3+ employees (or payroll of $500+ in a quarter); home health class codes 8835 • Hired & Non-Owned Auto — caregivers driving to clients • Cyber Liability — HIPAA and client data • Employee Dishonesty (Business Services) Bond $10,000–$50,000 — protects clients from theft by caregivers; often requested by counties, IRIS consultants and Family Care MCOs
What Wisconsin agencies pay
A 10-caregiver Milwaukee personal care agency typically pays $5,500–$11,000 per year for the full stack; the dishonesty bond alone is $100–$300 per year and is issued online in minutes with no credit check. Larger Madison or Green Bay home health agencies with skilled nursing run higher because of professional liability exposure.
Get quoted in one afternoon
Noah Insurance Agency is licensed in Wisconsin and specialises in home care. Request a quote at noahia.com — select Workers' Compensation and the Dishonesty Bond and we'll send the online bond application immediately, then quote GL/PL within 24–48 hours. Questions: 814-718-0060 or noah@noahia.com.
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Real broker. Real numbers. Same business day on most Wisconsin policies.