What is home healthcare insurance?
Home healthcare insurance is an industry-specific commercial policy stack designed for agencies that deliver medical or non-medical care inside a client's home. Because caregivers travel between residences, drive personal vehicles, and handle protected health information, a standard business owners policy (BOP) leaves major gaps. A properly built home healthcare program combines liability, workers' comp, auto, cyber, and abuse coverage into one coordinated tower.
Who needs it?
Any agency that dispatches caregivers into private homes needs home healthcare insurance — including:
- •Medicare-certified home health agencies (HHAs)
- •Non-medical home care & personal care agencies
- •Hospice providers
- •Pediatric home health and private duty nursing
- •Companion-care and homemaker services
- •Franchised home care operators
Core coverages every home healthcare agency should carry
Most state licensing boards, Medicare Conditions of Participation, and hospital referral partners expect the same core policies. KTL builds each program around your services, payroll, and contract requirements.
- •General Liability — third-party bodily injury & property damage
- •Professional Liability (Medical Malpractice) — care-related negligence claims
- •Workers' Compensation — statutory coverage for caregivers
- •Non-Owned & Hired Auto — for caregivers driving personal vehicles
- •Cyber Liability — HIPAA breach, ransomware & notification costs
- •Sexual Abuse & Molestation — contract-required by most hospital systems
- •Employment Practices (EPLI) — wrongful termination & wage claims
- •Commercial Umbrella — extends limits above primary policies
How much does home healthcare insurance cost?
Premiums vary by state, service mix, payroll, and prior claims. Small non-medical agencies often pay $2,500–$6,000 per year for GL + professional liability. Medicare-certified home health agencies with skilled nursing typically pay $8,000–$25,000+ per year for a full program including workers' comp. See our detailed cost breakdown for benchmark numbers by service type and state.
Why work with an independent agency like KTL
Direct-writer carriers only quote their own product. As an independent broker specializing in home healthcare, KTL benchmarks your risk against dozens of top-rated markets — CNA, Philadelphia, Markel, Hiscox, Travelers, The Hartford and more — so you get the right coverage at the right price, not just what one insurer will sell you.
Talk to a home healthcare specialist
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