Hospital-Grade Therapy, Delivered in the Living Room.
Protecting infusion providers, their clinicians, and patients treated at home
Home-infusion providers deliver IV therapy, total parenteral nutrition, antibiotics, and specialty infusions in patients' homes, often working from an infusion pharmacy or ambulatory suite. The defining exposure is clinical professional liability carried out in the one setting where oversight is thinnest: a medication or infusion error, an IV complication, or a central-line infection in a home has no on-site team to catch it before it becomes an emergency. That clinical risk combines with the products exposure of the compounded infusions themselves and the reality of clinicians driving between homes and working alone with vulnerable patients. This is a high-acuity corner of healthcare business insurance where professional, products, and auto exposure all run at once.
Properly structured coverage protects the agency, its clinicians, and every patient infused at home.
The Home-Infusion Provider's Signature Exposures
The signature exposure is clinical professional liability — a wrong drug or dose, an infusion-rate error, an IV infiltration, or a line-associated bloodstream infection — amplified because care happens in the home with less real-time oversight than a hospital. Behind it sits a products exposure on the compounded infusions themselves, where contamination or a compounding error can injure patients. Clinicians travel constantly, creating commercial-auto and hired-and-non-owned exposure and a real risk of injury in the field, and working one-on-one with acutely ill, vulnerable patients adds abuse-and-misconduct and infusion-pump equipment exposure.
Key Risks in Home Infusion Therapy Operations
Home-infusion providers face exposure related to:
A medication or infusion error, wrong drug or dose, IV complication, or line infection in the home
Contamination of a compounded infusion before it reaches the patient
Clinician injury in patients' homes and auto exposure driving between them
A breach of protected health information held in agency systems
Abuse or misconduct allegations involving vulnerable in-home patients
Infusion-pump and clinical-equipment loss or malfunction
Medicare and Medicaid participation and billing compliance
The clinical infusion error in an under-supervised home setting is what most defines the provider.
Core Coverages for Home Infusion Therapy Providers
A properly built home-infusion program typically includes:
Professional Liability — Protects against clinical and medical errors in infusion, dosing, and line management — the signature coverage for home care.
Products Liability — Covers patient injury caused by a compounded infusion after it is prepared and delivered.
General Liability — Covers premises and ongoing-operations bodily injury and property damage involving patients and third parties.
Abuse & Molestation Liability — Protects against allegations involving vulnerable patients cared for one-on-one in the home.
Commercial Auto & Hired and Non-Owned — Covers clinicians and staff driving to and between patient homes.
Cyber & Privacy Liability — Covers data breaches, HIPAA exposure, and the loss of protected health information.
Workers' Compensation — Provides legally required coverage for clinician injury in the field and at the pharmacy.
Property & Equipment — Protects the facility, compounding area, and infusion pumps and clinical equipment.
Umbrella / Excess Liability — Adds higher limits above the primary program given clinical-injury severity.
What's Commonly Overlooked
Home-infusion programs are most often weakened by:
A professional form scoped to the pharmacy that misses the in-home clinical act
No products coverage for the compounded infusions the agency prepares
Missing abuse and molestation coverage for one-on-one home care
No hired-and-non-owned auto for staff driving their own vehicles to homes
Thin cyber coverage for protected health information
The gap that hurts most is a professional-liability form that does not follow the clinician into the patient's home.
Real-World Claim Examples
An infusion-rate error on a home IV causes a serious adverse reaction
A central-line infection develops after an in-home line placement or care
A contaminated compounded infusion injures a patient receiving TPN
A nurse is injured, or injures a third party, driving between patient homes
A breach of the agency's systems exposes protected patient records
Any one of these can be severe, and the clinical infusion claim is the most consequential.
Regulatory & Compliance Context
Home infusion sits at the intersection of pharmacy and home-health regulation. State pharmacy boards and home-health licensing authorities govern the agency's operations, USP General Chapter <797> sets the sterile-compounding standard for the infusions it prepares, and the DEA governs any controlled substances handled. HIPAA governs the protected health information the agency holds, Medicare and Medicaid conditions of participation define its billing and clinical obligations, and accreditation through bodies such as ACHC is frequently required by payers and referral sources. A deficiency on any of these fronts often surfaces inside a liability or billing claim.
Why Proper Placement Matters
Home-infusion accounts belong in healthcare-professional markets that understand blended pharmacy-and-clinical risk, and higher-acuity or specialty-infusion work often moves into Excess & Surplus markets rather than standard admitted ones. Underwriters weigh the services provided, patient acuity, the therapies infused, and the agency's clinical controls, credentialing, and accreditation — the sicker the patient population and the more complex the infusions, the more scrutiny the account draws. Placing it with a carrier that will cover the professional, products, abuse, and auto exposure together, and presenting the clinical controls clearly, is what keeps the program sound when something goes wrong in the home.
Our Approach
At Cory Washington & Co., we insure home-infusion providers around how care is actually delivered — in the home, by traveling clinicians, using compounded infusions. We make sure professional liability follows the clinician into the home, add products coverage for the infusions, and coordinate abuse, auto, cyber for protected health information, property, and umbrella into one program. We also insure related operations, including compounding pharmacies, pharmacies, and the broader healthcare category.
Care that leaves the clinic for the living room carries new risk — we build coverage that follows it to the patient's door.
All insurance descriptions on this website are provided by Cory Washington & Co. LLC strictly for general informational purposes. They are not intended to be, and should not be relied upon as, legal, financial, or insurance advice. The information presented is general in nature and does not guarantee the availability, terms, conditions, or scope of any insurance coverage. Actual coverage is determined solely by the specific policy language issued by the insurer and remains subject to underwriting approval. Nothing on this website creates or implies an agent-client relationship, binds coverage, or alters any existing policy. Cory Washington & Co. LLC expressly disclaims any liability for actions taken, or not taken, based on the content provided here. For advice regarding your particular situation, please consult directly with a licensed insurance professional at Cory Washington & Co. LLC or another qualified insurance professional, and always review your policy documents in full.
See the coverages a home infusion therapy business may carry — core, prevalent, and situational — plus the gap most often missed, in the Home Infusion Therapy Coverage Checklist.
Complete the Home Infusion Therapy Supplemental online in a few guided steps, download the fillable PDF, or browse all applications.
Frequently Asked Questions
How do I get home infusion therapy insurance through Cory Washington & Co.?
Request a quote or contact our team. We start with a short conversation about your operations, analyze your exposures, then negotiate home infusion therapy insurance across multiple carriers that compete for your account and present options with the trade-offs explained. Cory Washington & Co. LLC is licensed in all 50 states.
How are home infusion therapy insurance premiums priced?
Premiums vary from business to business. The main drivers of home infusion therapy insurance pricing are the nature of your operations, your revenue and payroll, your loss history, and the limits you carry. Rather than quote a flat figure, we negotiate across several markets and walk you through the options, so you only pay for the protection you actually need.
Is home infusion therapy insurance mandatory?
It depends on your situation. Some coverage is required by law; more often, home infusion therapy insurance is required by a contract, lease, lender, or client before they will do business with you — and even when it is not mandated, it guards against exposures that can be severe. We review your operations and obligations and tell you plainly what you need and why.
What if another agency has already declined or non-renewed my coverage?
Difficult, specialty, and previously-declined placements are a core part of our work. We access excess & surplus (E&S) and specialty markets that many generalist agencies cannot, and we explain the trade-offs clearly so you can decide with confidence.
Available in all 50 states. See how requirements differ in California, Texas, Florida, New York, or choose your state.