Looking for Home Health Care Services Insurance?
Protect your home health care business from care errors, patient injuries, medication mistakes, and liability claims. Harper provides insurance for home health agencies, private caregivers, and medical home care providers.
What is Home Health Care Services Insurance?
Home health care insurance protects providers delivering medical or personal care in patients’ homes. Risks include patient falls, medication errors, malpractice claims, and transportation accidents. Coverage typically includes professional liability, general liability, commercial auto, and workers compensation. State licensing boards and healthcare partners require proof of insurance before licensing or contracts.
Professional Liability (Malpractice)
Covers claims related to care errors, treatment decisions, or medication administration mistakes.
Patient & Premises Liability
Protects against patient injuries occurring during home care visits or related services.
Commercial Auto Coverage
Covers vehicles used to travel to patient homes, including accidents during care-related transportation.
Workers Compensation
Covers caregiver and staff injuries, medical expenses, and lost wages.
Cyber & HIPAA Liability (Optional)
Protects patient records and electronic health data from breaches and privacy violations.
Certificates
Fast proof for licensing boards, healthcare partners, and referral agencies.
Who Needs Home Health Care Services Insurance?
- Home health agencies : Businesses requiring specialized insurance coverage
- Private caregivers : Businesses requiring specialized insurance coverage
- Skilled nursing providers : Businesses requiring specialized insurance coverage
- Home therapy services : Businesses requiring specialized insurance coverage
Why Harper?
Home Health & Medical Care Expertise
Harper understands the clinical, legal, and regulatory risks involved in home health care, from patient safety to documentation standards.
Fast Proof for Licensing & Contracts
Licensing approvals and healthcare partnerships depend on insurance documentation. Harper delivers certificates quickly for compliance.
Clear, Straightforward Coverage Explanations
We explain malpractice, liability, and auto coverage clearly so providers understand how protection applies during daily care.
Coverage Aligned With Your Services
Whether you provide skilled nursing, personal care, therapy, or specialized medical services, coverage is tailored to your care model.
Frequently Asked Questions
What insurance do home health providers need?
Professional liability for care errors, general liability for patient injuries, commercial auto for transportation, workers compensation, and cyber liability for patient records.
Is home health insurance required?
Yes. State licensing boards require professional liability coverage, and healthcare partners require comprehensive insurance before contracts.
How much does home health insurance cost?
Solo caregivers typically pay $1,000–$3,000 annually. Agencies pay $5,000–$20,000+ depending on staff size and services.
Does insurance cover patient falls?
Professional and general liability can cover patient falls when care protocols, supervision, and documentation standards are followed.
Does insurance cover medication errors?
Professional liability covers medication administration errors within your scope of practice and licensing.
Can I add healthcare partners as additional insureds?
Yes. Hospital systems and physician groups may require this. Harper handles certificates and endorsements for compliance.