Home Health Care Professional Liability Insurance

Home health care is a wide range of health care services that can be given in your home for an illness or injury. Home health care is usually less expensive, more convenient and can, in some circumstances and with some patients be as effective as care you get in a hospital or skilled nursing facility (SNF).

 Our society in this time is facing an unprecedented demographic shift.  Due to many factors, aging in home and telehealth services, The global home healthcare market is anticipated to reach $517B by 2027.

 The home health market is  projected to grow at an  8% annual growth rate.  While in-home nursing programs have doubled, chronic care management outcomes improve and Americans are living longer.  By 2030, the number of Americans ages 65 and older is projected to exceed 70 million, which means seniors will outnumber children in the U.S.  The home markets continue to expand for young and old alike. 

Home Health CareThe Doctors Insurance Agency understands how much work goes into being a Home Health Care Professional and we can help protect your independent, small business with a Home Health Care Professional Liability Insurance Policy. We are working in partnership with Amwins Program Underwriters to create insurance program unique to Home Health Care services.

The Home Care Professional Liability Insurance program offers tailored insurance solutions for medical suppliers, equipment providers, drug distributors, visiting nurse associations (VNAs) and other agencies.

The Home Care Professional Liability Insurance Program is defined by 3 limits of liability.

  1. Professional Liability
  2. Cyber/network security
  3. General Liability / Products completed.

 The Doctors Insurance Agency can help you understand why your organization needs these protections and specifically when to incept the different limits and policies.  Because we are immersed in this market we have relationships and expertise that general insurance brokers don't have.

Who needs home health care insurance?

Independent physicians who have decided to focus on this niche, midlevel advanced practice providers, registered nurses, occupational therapists, physical therapists and other medical professions who treat patients and provide services at a patient’s home need Home Health Care Professional and General Liability Insurance. Several issues can occur when working in a patient’s home that would warrant the need for liability insurance. Protect yourself while helping patients.

 The Doctors Insurance Agency provides comprehensive Home Health Care Professional Liability Insurance that protects your business's financial stability and reputation from the damages of lawsuits resulting from errors, negligence, or undelivered services.   Additionally the technical professional liability limits can respond in the event the bodily injury or alleged harm to the patient is caused by a failing of technology.

 We have a dedicated program tailored to meet the specific insurance needs of the home health care and hospice industry (including small staffing providers) as well as medical suppliers and distributors. The package includes General Liability, Professional Liability and Cyber Liability insurance. It provides good coverage at a great price.

Eligible accounts for this program:

  • Home health care agencies / providers
  • Visiting nurse associations (VNAs)
  • Home infusion providers
  • Hospice providers
  • Companion care providers
  • Home medical equipment suppliers (with and without retail operations)
  • Unskilled / ADL providers
  • DME / HME providers to homes and other facilities (non-invasive equipment)*
  • Infusion suites
  • Drug distributors
  • Equipment distributors
  • Small staffing providers (under $50K in premium, not eligible in AZ, FL, IL, or NM)
    • No long-term care staffing to large chains
    • No physician or nurse practitioner staffing to hospitals or nursing homes
    • No hospital staffing of emergency, labor & delivery or surgical departments
    • Staffing risks in eligible states with 25% or less staffing to hospitals
      (subject to terms above will be considered)
    • Copies of staffing contracts are required with the submission in addition to a list of all staffed facilities

Professional Home Care Liability

Ineligible accounts

  • Nursing homes
  • Correctional health care
  • Locums companies
  • Mail order pharmacies
  • Automobile installation / alteration companies
  • Repair of other's used DME for resale
  • Manufacturers
  • Wholesale compounding risks
  • Social services
  • Correctional care staffing


  • Professional liability
  • General liability (occurrence and claims made options in most states)
  • Employee benefits liability (when PL & GL is written)
  • Package policy includes coverage for I.C.’s while working within scope of duties for named insured
  • Bodily Injury definition includes mental anguish and mental injury on the CGL
  • Non-owned & hired auto (owned/commercial auto not eligible)
  • Crime or fidelity bond (admitted)
  • Sexual abuse is included within the definition of “Professional Services Wrongful Act” in the policy form
  • Defense costs are generally outside the policy limits on package policy
  • Property (admitted)
  • Excess/umbrella (when PL & GL is written)
  • Worldwide coverage (claim must be filed in U.S.)
  • Workers Compensation

With The Doctors Insurance Agency you will find the right coverage for your Home Health Care business needs and budget.

Home Health Care Professional Liability Coverage Quote