Who we insure
Insurance for Home Health Care Agencies
Your clinicians work alone in patients' homes, drive between visits and handle protected health information on mobile devices. Your insurance should be built for exactly that.
This page is for
- Medicare-certified home health agencies
- Private-duty and private-pay skilled nursing
- Infusion and specialty nursing
- Pediatric home health
- Agencies that also run a home care or hospice line
Your risks
The risks we plan around
Clinical errors in the home
Medication errors, missed assessments and wound-care complications without a physician or second nurse on site.
Staff injuries
Patient transfers in cramped homes, needlesticks, dog bites and slips on icy driveways drive workers' comp claims.
Driving between visits
Clinicians drive many miles a week in their own cars, so serious accidents can reach the agency.
Patient data on the road
Laptops and phones with EMR access are easy to lose and attractive to thieves.
Allegations involving vulnerable patients
Abuse or theft allegations are often excluded from standard liability policies.
Recommended coverage
How we'd build your program
Every organization is different; this is where we start the conversation.
Professional Liability
EssentialCore protection for clinical care; confirm employed clinicians are covered.
General Liability
EssentialProperty damage and injuries in patients' homes; required by referral partners.
Workers' Compensation
EssentialRequired by law in most states and the largest injury exposure.
Hired & non-owned auto for clinicians driving their own cars.
Cyber Liability & HIPAA
Usually recommendedHIPAA breach response for EMR and mobile devices.
Abuse & Molestation
Usually recommendedFills a common exclusion for in-home care.
Crime & Theft of Client Property
Usually recommendedClient property coverage for theft allegations.
Employment Practices Liability (EPLI)
Worth consideringHigh-turnover workforce with scheduling disputes.
Contract requirements
What facilities and payers typically require
Requirements vary by contract. Paste yours into our checker and we'll compare it to your coverage.
- Professional liability of $1M per claim / $3M aggregate
- General liability of $1M / $2M with the facility or payer as additional insured
- Workers' comp at statutory limits with employer's liability of $1M
- Waiver of subrogation and 30-day notice of cancellation
- Hired & non-owned auto for employees who drive
FAQ
Home Health insurance questions
Do Medicare-certified agencies have special insurance requirements?
CMS conditions of participation don't set specific limits, but your state license, managed-care contracts and hospital referral partners usually do. We review those contracts and set limits to match.
Are our nurses covered when they drive their own cars?
Their personal auto policy pays first. Hired & non-owned auto protects the agency if a claim exceeds their limits or their insurer denies business use.
How do we lower our workers' comp cost?
Accurate class codes, a reviewed experience mod, safe-lifting training and prompt return-to-work programs. We help with all four.
Get your quote in a few business days
Quotes in a few business days. Questions answered by Misty, not a call center.
Talk to Misty
Call or text Misty directly. You'll talk to the person who knows your account, not a call center.
- Call(435) 216-6749
- Text(435) 216-6749
- EmailMisty@snowcanyoninsurance.com
- HoursMon–Fri, 9am–5pm Mountain · Closed Sat–Sun
- MailPO Box 25, Santa Clara, UT 84765