What makes home care agency insurance different?
Non-medical home care agencies don't deliver skilled nursing — but they still face professional exposure (missed medications, falls, wrongful care allegations), non-owned auto exposure when caregivers drive to clients, and theft allegations that require a fidelity bond. Standard small-business policies rarely include these.
Coverages we place for home care agencies
A typical KTL home care program includes:
- •General Liability — usually $1M/$2M minimum
- •Professional Liability — care-related negligence
- •Workers' Compensation — critical for caregiver injuries
- •Non-Owned & Hired Auto — caregivers in personal vehicles
- •Employee Dishonesty Bond — theft by caregivers
- •Sexual Abuse & Molestation — required by many referral networks
- •Cyber Liability — client data & scheduling systems
State licensing considerations
California requires an HCO bond. Texas HHSC contracts push $1M+ GL. New York DOH requires proof of all core lines. Florida AHCA has specific fidelity requirements. See our state-by-state requirements guide for details, and always confirm with your state agency at license renewal.
Franchise home care agencies
If you operate under a national brand (Home Instead, BrightStar, Comfort Keepers, Right at Home, Visiting Angels, etc.), the franchisor typically dictates minimum insurance requirements and additional-insured language. KTL structures policies that satisfy franchisor requirements without over-buying.
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