Care in patient homes
Review professional and general liability around services delivered away from the organization’s premises.
Coverage for care delivered in homes and communities
Home Health and Hospice Insurance
Home health and hospice providers deliver important services outside a controlled facility, often across many locations each day. Insurance should reflect professional care, mobile employees, patient homes, driving, equipment, protected health information, scheduling systems, and contractual obligations.
Coverage availability, eligibility, and terms vary by carrier and state. A quote request does not bind coverage.
Mobile workforce
Consider employee injuries, employment practices, driving, hired and non-owned vehicles, and staff supervision.
Information and systems
Evaluate cyber, privacy response, mobile devices, electronic records, scheduling platforms, and vendor dependencies.
Home-based care operations
Carriers may distinguish organizations based on licenses, clinical services, non-medical support, hospice activities, patient acuity, service territories, staffing, and payer or referral contracts.
- Skilled home health agencies
- Hospice and palliative care providers
- Non-medical home care organizations
- Private-duty nursing and caregiver services
- Therapy delivered in homes or community settings
- Multi-state or multi-location home care organizations
Coverage to consider
The insurance program should reflect both clinical responsibility and the practical realities of a mobile workforce.
- Professional liability and commercial general liability
- Workers’ compensation and employment practices liability
- Commercial auto, hired and non-owned auto, and driver controls
- Cyber liability, privacy-event response, and network interruption
- Business property, mobile equipment, crime, and business income
- Umbrella or excess liability and other contract-required coverage
Information carriers may request
Expect questions about services, licenses, patient census, payer mix, territories, employee and contractor counts, credentials, background checks, supervision, visit protocols, driving, incident reporting, prior coverage, and loss history.
Common questions
Home Health and Hospice Insurance FAQ
What insurance does a home health agency need?
Agencies commonly evaluate professional liability, general liability, workers’ compensation, employment practices, auto, cyber, crime, business property, and umbrella or excess liability.
Does home health insurance cover caregivers using personal vehicles?
A hired and non-owned auto policy may address certain liability exposures, but it does not replace the employee’s personal auto insurance. Terms and driver requirements should be reviewed.
Are independent contractors automatically covered?
No. Contractor status, professional services, certificates, indemnification, and policy definitions should be disclosed and reviewed carefully.
Talk through your options