Home Health Care Insurance

Core coverages

• Professional liability — care errors, medication mistakes, missed deterioration
• General liability — injuries or property damage in the patient's home
• Non-owned auto — caregivers driving their own cars between patients
• Workers comp — lifting and transfer injuries, the top claim in home care
• Cyber & privacy — patient records and HIPAA exposure

What drives your rate

Skilled nursing versus companion care (skilled carries more professional exposure), caregiver count and turnover, services offered, and whether staff transport patients. Accreditation and written care protocols genuinely help your pricing here.

Why agents pass — and we don't

Home health sits awkwardly between medical and non-medical markets, so agencies get bounced between carriers or quoted malpractice pricing meant for hospitals. Carriers specializing in home care write this daily — the right fit is a placement question, not a coverage question.