General Liability
Bodily injury and property damage caused by your agency's day-to-day operations. $1M/$2M is the most common limit; Medicaid contracts often require it.
⚡ 10-minute quotes for home care agencies · OH · VA · IA · MN
Home Care Insurance · OH · VA · IA · MN
Insurance built for home care agencies.
Whether you bill PASSPORT, MyCare Ohio, DODD waivers, Virginia DMAS, Iowa Medicaid, or Minnesota DHS — we build the right insurance program for licensed home care, home health aide, and personal care services. Same-day quotes, branded COIs, and the bonds your contracts ask for.
Medicaid waiver-ready Same-day bond binding Beazley · CNA · Markel
The home-care insurance stack
Six lines of coverage every home care agency should carry.
Professional Liability / E&O
Claims arising from caregiver mistakes — medication errors, missed assessments, wound care, transfers, falls. $1M/$3M is the floor for home care agencies.
Workers Compensation
Required in OH, IA, MN, and VA for agencies with W-2 caregivers. Class code 8835 (Home Health). We file BWC group-rating applications to lower premium up to 53%.
Employee Dishonesty Bond
Often $25K minimum for Medicaid-billing agencies. Required by DODD, DMAS, and many state Medicaid contracts. Bound same-day through our surety markets.
Hired & Non-Owned Auto
If your caregivers drive personal vehicles to clients, you need HNOA. Covers the agency's vicarious liability — $300/yr typical.
Cyber Liability
PHI breaches, EVV/EHR ransomware, HIPAA fines. Beazley's BBR product is the gold standard for home care — $2K–$4K/yr at $1M limits.
Licensed in 4 states
We know the regulator in every state we write.
State
Ohio
ODH licensure, DODD waivers, PASSPORT Program, MyCare Ohio
State
Virginia
VDH HCO license, DMAS waivers (CCC Plus, DD, EDCD), EVV via Sandata
State
Iowa
Iowa DIA licensure, Medicaid Managed Care waivers, EVV via HHAeXchange
State
Minnesota
Minnesota DHS Comprehensive & Basic Home Care Provider licenses
Ready to quote your home care agency?
Most quotes back within 4 hours during business days. Submit the form for the fastest path, or grab a 30-minute consultation on Noah's calendar.