Overview
Home healthcare insurance protects agencies that deliver skilled nursing, personal care, hospice, therapy, and companion services in a client's home. Because caregivers work off-site, in vehicles, and inside private residences, standard commercial policies rarely fit — and gaps in coverage can be catastrophic.
Why home healthcare needs specialized coverage
A typical general liability policy assumes your work happens on your premises. Home care flips that: your exposure moves with every caregiver, into hundreds of client homes each week. That reality demands a policy stack built around off-site professional care, transportation, and abuse & molestation defense — not a bundled BOP designed for a retail storefront.
Coverages every home health agency should carry
At minimum, most agencies need general liability, professional liability (medical malpractice), workers' compensation, and non-owned & hired auto. Agencies serving Medicare or contracting with hospital systems typically also need cyber liability, abuse & molestation coverage, EPLI, and often a commercial umbrella above their primary limits.
Workers' compensation for caregivers
Home health workers' comp rates vary dramatically by state and by job classification (CNA, HHA, RN, LPN). KTL benchmarks your class codes and payroll against multiple carriers each renewal to keep your experience mod and premium in check.
Certificates of insurance in under 24 hours
Contracts with hospitals, health systems, and referral partners routinely require COIs with specific additional insured language. Our team issues standard COIs same-day and complex ones within one business day.