How states regulate home care insurance
Most states regulate home care through their Department of Health or a dedicated Home Care Bureau. Requirements typically include a minimum general liability limit, workers' compensation, and a bond. Medicare-certified agencies must additionally satisfy federal Conditions of Participation, which usually push limits higher.
California
California requires an HCO (Home Care Organization) bond for non-medical home care aides and a $1M GL minimum in most cases. Medi-Cal contracts push limits and named-insured requirements higher. See our state guide for details.
Texas
Texas HHSC (Health & Human Services Commission) licensure typically requires $300K–$500K GL, but hospital and HHSC contracts often push limits to $1M+. Texas is a workers' comp non-subscriber state — many home care agencies still elect coverage due to the liability tradeoffs.
Florida
Florida AHCA (Agency for Health Care Administration) sets home care license requirements. GL minimums range $500K–$1M depending on license type. Nurse Registry licenses have different requirements than Home Health Agency licenses.
New York
New York DOH licensure requires proof of all core coverages — GL, professional liability, workers' comp, and non-owned auto — with $1M/$2M aggregate minimums. LHCSA (Licensed Home Care Services Agency) has distinct requirements from CHHA (Certified Home Health Agency).
Illinois
Illinois IDPH requires $1M per occurrence and a current COI at every renewal. Community Care Program contracts often require the state as additional insured.
Georgia
Georgia DCH licenses non-medical agencies as Private Home Care Providers (PHCP) and requires proof of general and professional liability with the application. Workers' comp is mandatory at three or more employees, and Medicaid CCSP/SOURCE contracts push GL to $1M/$2M. See our Georgia guide for costs and license categories.
New Jersey
New Jersey registers non-medical agencies as Health Care Service Firms through the Division of Consumer Affairs, which requires a surety bond plus liability coverage. Workers' comp is required from the first employee, and MLTSS contracts expect $1M/$2M GL. See our New Jersey guide for bond and cost details.
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