Home Health Care Insurance — Coverage, Cost & Requirements
Professional liability and workers' comp for in-home care agencies and visiting nurses.
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What Coverage Does Home Health Care Insurance Include?
Most home health care businesses need several types of coverage to be fully protected. Here's a breakdown of the policies that matter most for your industry.
Professional Liability
Professional Liability coverage tailored for home health care businesses.
Workers Comp
Required in most states. Covers medical expenses and lost wages for employees injured on the job.
General Liability
Covers third-party bodily injury and property damage claims. Required by most commercial leases and client contracts.
Cyber Liability
Covers data breach response, ransomware, notification costs, and cyber liability.
How Much Does Home Health Care Insurance Cost?
The cost of home health care insurance varies based on your revenue, number of employees, location, and claims history. Here's a realistic range for most businesses.
⚠️ These are estimated ranges. Your actual premium will vary. Updated August 2026.
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