🩺 Home Health Services

Home Health Services Insurance

Insurance for home health agencies — respite care, non-skilled care, and mixed care services across Arizona. Protect your caregivers, clients, and agency operations.

Fast quotes — often within 24 hours
🏆A-rated carriers only
📋Same-day certificates

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Protect your organization — fill out the form below.

No obligation. Protect your mission.

Unique Risks We Address

Every home health services faces specific risks. We make sure you're covered.

Caregiver negligence claims
Patient falls during care
Medication administration errors
HIPAA violations
Caregiver vehicle accidents
Theft allegations
Client wandering/elopement
Respite care boundary issues
Coverage Options

Recommended Coverage

Tailored insurance products for home health services operations.

📋

Professional Liability (E&O)

Coverage for claims of negligence, errors, or omissions in the professional services your organization provides.

  • Service delivery errors
  • Advice & counsel claims
  • Program failures
  • Referral liability
🛡️

General Liability

Protects against bodily injury and property damage claims from your operations, premises, and programs.

  • Premises liability
  • Operations coverage
  • Personal & advertising injury
  • Medical payments
🔒

Abuse & Molestation

Critical coverage for organizations serving vulnerable populations — covers allegations of abuse or misconduct.

  • Abuse allegations
  • Investigation costs
  • Defense expenses
  • Background check gaps
⚙️

Workers' Compensation

Required coverage for employees injured on the job — covering medical expenses, lost wages, and rehabilitation.

  • Medical expenses
  • Lost wages
  • Rehabilitation
  • Employer liability
🚗

Commercial Auto

Covers vehicles owned, leased, or used by your organization for transporting clients, supplies, or staff.

  • Owned vehicles
  • Hired & non-owned auto
  • Client transport
  • Volunteer drivers
💻

Cyber Liability

Protects against data breaches, ransomware attacks, and the costs of notifying affected individuals.

  • Data breach response
  • Ransomware coverage
  • Notification costs
  • Credit monitoring

Serving All of Arizona

📍 Phoenix 📍 Tucson 📍 Mesa 📍 Chandler 📍 Scottsdale 📍 Glendale 📍 Gilbert 📍 Tempe 📍 Peoria 📍 Surprise 📍 Yuma 📍 Flagstaff

Frequently Asked

What insurance does a home health agency need?
Professional Liability, GL, Workers' Comp, Auto (Hired & Non-Owned), Abuse & Molestation, and Cyber Liability (HIPAA) form the essential package for respite, non-skilled, and mixed care.
Are caregivers covered while driving to client homes?
You need Hired & Non-Owned Auto if caregivers use personal vehicles. If the agency owns vehicles, Commercial Auto is required.
Does coverage differ for respite vs. skilled care?
Yes. Respite and non-skilled care have lower professional liability exposure. Mixed care agencies need broader professional liability for the full scope of services.
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