Does a certificate of insurance change my coverage?

No. A COI is evidence of coverage. Additional insured or waiver of subrogation status only exists if the matching endorsement is actually on the policy.

Can a certificate holder be added permanently?

Yes. Blanket additional insured endorsements automatically extend status to any party you have agreed in a written contract to include, which avoids requesting a new endorsement per payer.

Certificates of Insurance

Home Healthcare Certificate of Insurance Requirements

Before a home care agency can bill a hospital system, a managed care organization or a Medicaid waiver program, it has to produce an ACORD 25 certificate that matches the contract exactly. Most delays are not coverage problems — they are wording problems. This page shows what payers ask for and how to get the certificate right the first time.

✓Typical requirement: $1M/$3M GL and professional liability
✓Additional insured and waiver of subrogation endorsements
✓Abuse & molestation and HNOA frequently required
✓Same-day COIs for existing KTL clients

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Limits payers commonly require

Requirements vary by payer, but these are the ranges we see most often on home care contracts.

Coverage	Common requirement	Notes
General liability	$1M per occurrence / $3M aggregate	Additional insured usually required
Professional liability	$1M / $3M	May be combined with GL on a healthcare form
Workers' compensation	Statutory + $1M employers liability	Waiver of subrogation often required
Abuse & molestation	$1M per incident	Frequently required by hospital systems
Hired & non-owned auto	$1M CSL	Required whenever caregivers drive
Cyber liability	$1M–$2M	Common for agencies handling PHI electronically
Employee dishonesty / bond	$10K–$50K	Required by many state licensing programs

Wording that causes rejections

A certificate gets bounced back for predictable reasons:

•Certificate holder name or address does not match the contract exactly
•Additional insured requested but no endorsement form number referenced
•Waiver of subrogation missing on workers' compensation
•Primary and non-contributory language required but not shown
•Coverage listed that the policy does not actually include
•Notice-of-cancellation days that exceed what the carrier will issue

What to send your broker

Attach the insurance requirements exhibit from the contract, the exact legal name and address of the certificate holder, the required endorsements, and the effective date. With those four items, KTL can normally issue a compliant certificate the same business day.

Request a certificate of insurance →

State licensing certificates are different

State home care licensing agencies often want a certificate naming the state agency as holder with proof of a surety bond and employee dishonesty coverage — not additional insured status. Sending a payer-style certificate to a licensing board is a common cause of application delays. See our state requirement pages for the specifics.

See requirements by state →

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Frequently asked questions

For existing KTL clients, same business day in most cases. New clients need coverage bound first, which can often happen within a day or two once the application is complete.