Home Healthcare Resource Center
Home Healthcare Insurance Resources
Everything a home care, home health or personal care agency owner needs to understand their insurance program — written by licensed commercial brokers who place this coverage every week, not by a content mill.
Start here
The pillar guides most agency owners read first.
Pillar Guide
Home Healthcare Insurance for U.S. Agencies
Home healthcare insurance from an independent agency specializing in home health, home care & hospice. Compare quotes from 20+ top-rated carriers.
Read guide →Home Care Agencies
Bonded and Insured Home Care Agency Coverage
Become a bonded and insured home care agency. KTL packages GL, professional liability, workers' comp, fidelity bonds & non-owned auto from top-rated carriers.
Read guide →New Agency Guide
How to Start a Home Care Agency (and the Insurance You'll Need)
Step-by-step guide to starting a home care agency: state licensing, Medicare certification, hiring caregivers, and the insurance you'll need on day one.
Read guide →Non-Medical Home Care
Personal Care Agency Insurance
Personal care agency insurance for non-medical home care providers. GL, workers' comp, abuse & molestation, non-owned auto, and bond placement.
Read guide →Cost & requirements
What coverage actually costs and what payers and states require.
Pricing Benchmarks
How Much Does Home Healthcare Insurance Cost?
What home healthcare insurance actually costs in 2026: benchmark premiums for non-medical home care, Medicare-certified home health, and hospice agencies.
Read guide →Cost Guide
Home Care Agency Insurance Cost
How much does home care agency insurance cost? Real 2026 premium ranges for GL, professional liability, workers' comp & bonds by agency size and state.
Read guide →State Requirements
Home Healthcare Insurance Requirements by State
State-by-state guide to home care and home health insurance requirements — California, Texas, Florida, New York, Illinois and more.
Read guide →Certificates of Insurance
Home Healthcare Certificate of Insurance Requirements
What hospitals, MCOs and state programs require on a home care COI: limits, additional insured, waiver of subrogation and endorsement wording.
Read guide →Coverage guides
Line-by-line explanations of the coverages on a home care program.
General Liability
General Liability Insurance for Home Care
General liability insurance for home care and home healthcare agencies. Third-party bodily injury & property damage coverage from top-rated carriers.
Read guide →Professional Liability
Professional Liability Insurance for Home Health Agencies
Professional liability (medical malpractice) insurance for home health agencies. Coverage for medication errors, failure to monitor & abuse allegations.
Read guide →Specialty Coverage
Sexual Abuse & Molestation (SAM) Coverage for Home Healthcare
How sexual abuse and molestation (SAM) coverage works for home care agencies: limits, defense costs, exclusions and what contracts require.
Read guide →Commercial Auto
Hired & Non-Owned Auto Insurance for Home Healthcare Agencies
HNOA covers your agency when caregivers drive their own cars for work. Limits, what it does not cover, and how carriers rate it for home care.
Read guide →Cyber Liability
Cyber Insurance for Home Healthcare
Cyber insurance for home healthcare agencies. HIPAA breach response, ransomware, notification & business interruption coverage from top carriers.
Read guide →Caregivers
Caregiver Insurance
Caregiver insurance for home care agencies and individual caregivers. General liability, professional liability, workers' comp & auto — from top-rated carriers.
Read guide →Workers' compensation
Payroll classification and premium control for caregiver payroll.
Workers' Compensation
Workers' Compensation for Home Healthcare Agencies
Home healthcare workers' compensation for CNAs, HHAs, RNs and LPNs. KTL benchmarks class codes, payroll and experience mod across carriers.
Read guide →Workers' Compensation
Home Healthcare Workers' Comp Class Codes
NCCI class codes used for home health and home care payroll — 8835, 8829, 8824, 8810 — and how miscoding inflates your workers' comp premium.
Read guide →Certificates & specialty programs
Same-day certificates and adjacent care models.
COI Requests
Certificate of Insurance (COI) Requests
Request a certificate of insurance from KTL. Same-day standard COIs and next-day complex certificates with additional insureds & waivers of subrogation.
Read guide →Hospice Pillar Guide
Hospice Insurance for U.S. Agencies
Hospice insurance for Medicare-certified programs. Professional liability, workers' comp, abuse & molestation, cyber and volunteer coverage.
Read guide →State licensing & insurance requirements
State-by-state licensing, bonding and insurance rules for home care agencies.
Three ways to work with KTL — pick what fits.
Whether you're comparison-shopping, just curious what you'd save, or need a callback later — we make it easy to start.
Most Popular
Get a Free Coverage Review
Benchmark your current policy against 20+ A-rated carriers. Reply within 1 business day.
Start review →Free Download
Home Healthcare Coverage Checklist
The 12-point PDF we use to audit HH & hospice agencies before renewal. No email required.
Download PDF →Talk to a Human
Call 858-350-0555
Mon–Fri 8am–5pm PT. Ask us anything — no pressure, no sales script.
Call now →