Home Healthcare Agency Insurance Coverage Checklist
The coverages a home healthcare agency business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for home health agencies. Priorities reflect typical exposure; confirm against service mix and contractor use.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Professional Liability | Covers skilled-care claims — confirm contractors are covered or carry their own. | Core | |
| Hired & Non-Owned Auto | Covers staff driving their own cars for work. | Core | |
| Abuse & Molestation | Covers abuse and neglect allegations — often sublimited; confirm the limit. | Core | |
| Regulatory / Billing Errors (E&O) | Covers Medicaid and Medicare audits and overpayment demands. | Prevalent | |
| Cyber Liability | Covers patient-data breaches and ransomware. | Prevalent | |
| Workers' Compensation | Required in most states. | Core |
The coverage gap most often missed
The most commonly missed gap for this class is hired and non-owned auto. Clinicians drive their own cars between homes all day, and when they cause an accident the agency can be named — while their personal policies may exclude business use or carry low limits. Agencies should carry HNOA, verify each driver's insurance yearly, and flag missed visits the same day.
Send us the checklist and we'll review your home healthcare agency coverage line by line, then market it across multiple carriers that compete for your account.
Related: Home Healthcare Agency Insurance · Home Healthcare Agency Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a home healthcare agency business need?
The core coverages for a home healthcare agency business are Professional Liability, Hired & Non-Owned Auto, Abuse & Molestation, Workers' Compensation. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my home healthcare agency coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.