NY DOH license types
New York DOH licenses three primary home care provider types. LHCSAs deliver non-Medicare home care and are the most common license. CHHAs are Medicare-certified and face higher coverage expectations. LTHHCPs serve long-term nursing home-equivalent populations at home. Fiscal Intermediaries under CDPAP add a distinct exposure. Each license type has its own baseline requirements, but MLTC contracts drive the practical floor.
New York workers' compensation, DBL & PFL
New York requires workers' compensation for essentially every employee, plus NYS Disability Benefits Law (DBL) coverage and Paid Family Leave (PFL). NYSIF is a common market for hard-to-place risks. Class codes 8829, 8835, and 8854 dominate home care payroll — miscoding is a top source of audit overpayments in NY.
MLTC & CDPAP contract minimums
Managed Long Term Care (MLTC) plans (VNS Choice, Fidelis, VillageCareMAX, Elderplan, Centers Plan) and CDPAP fiscal-intermediary contracts almost universally require $1M/$3M professional liability, $1M/$3M GL, primary & non-contributory additional insured status, and a waiver of subrogation. Some plans push $2M/$4M for LHCSA sub-contractors.
Employment practices liability (EPLI)
New York — especially New York City — is one of the highest-frequency jurisdictions in the country for wage-and-hour, discrimination, and NYC Human Rights Law claims. Home care agencies are a top target for 24-hour live-in wage class actions. EPLI with a wage-and-hour sub-limit is effectively required, not optional.
Abuse & molestation and cyber
MLTC contracts and hospital referral agreements increasingly require dedicated abuse & molestation limits and cyber liability. Both are often sub-limited or excluded on standard professional liability forms. KTL confirms placement and limit adequacy on every New York program.
Non-owned & hired auto
New York personal auto policies exclude business use, and MTA/NYCT transit accidents involving caregivers on the clock still flow back to the agency. Non-owned & hired auto is standard on every KTL New York home care program.
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