Home Health Care Liability Insurance

Home healthcare brings skilled nursing, therapy, and daily-living support directly into the patient’s home. That convenience also creates unique risks—staff work without the safeguards of a clinical setting, must manage infection control in variable environments, and make time-critical care decisions with limited resources on hand.

Homewood Insurance helps home health agencies and staffing firms secure malpractice and liability coverage that matches how care is actually delivered at home.

This page explains the following:.

What Insurance Includes – straightforward protections for professional services and everyday accidents in the home environment.
Cost of Coverage – clear premium ranges and the main factors that influence price.
Higher-Risk Services – procedures that raise premiums or may need extra safeguards.
Why Work With Homewood – how we help home healthcare providers get the right protection at a fair price.

Get a Free Quote Now

Complete our quick quote form and share your services, visit volume, staffing mix, and prior claims.

We’ll bring back clear options from carriers that understand home healthcare and support the way you care for patients at home.

Liability Insurance for Home Healthcare can include:

Covers claims involving in-home nursing care, therapy, and medication management.
Protection for allegations of neglect, improper treatment, or patient injury during visits.
Applies to services delivered by registered nurses, licensed practical nurses, home health aides, therapists, and medical social workers.
Includes liability for documentation errors, infection-control failures, and care-plan violations.
Typical limits up to $1,000,000 per claim / $3,000,000 aggregate; tail and retroactive coverage available.

Insurance for Home Healthcare Organizations can include:

Malpractice or liability insurance can provide essential protection against these risks:

Professional Liability (Malpractice Insurance)

Covers errors in patient monitoring, medication administration, wound care, and post-operative recovery support.
Protection for allegations of negligence, abuse, missed visits, or delayed escalation that lead to adverse outcomes.
Legal defense if documentation is missing or care-plan deviations aren’t communicated to family or physicians.
Options to include telehealth check-ins, remote monitoring, and care coordination using electronic records.
Prior-acts and tail coverage available to handle staff turnover or acquisitions. therapies

General Liability Insurance

Premises incidents at the client’s home (falls during transfers, trip hazards from equipment, damage to flooring or furniture).
Agency office/staff exposures (visitor injuries at your office, community event booths, training days).
Property damage to others (oxygen tanks, lifts, or wheelchairs damaging a landlord’s or family’s property).
Personal and advertising injury (claims of defamation or misleading advertising).
Medical payments for minor on-site injuries, regardless of fault, to reduce disputes.

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How much is Home Healthcare Insurance?

Premiums are influenced by specialty mix, litigation environment, facility size, and claims history. Carriers also evaluate risk management protocols such as credentialing, peer review, and informed consent.

Professional Liability Insurance – typical annual ranges

Individual home health aide / caregiver: $300 – $900 per year
Agency-level malpractice covering employed staff: $3,000 – $10,000+ per year (varies with size, services, and claims history)
Radiation Oncologists: $15,000–$25,000 annually, depending on equipment and protocols

Notes on how pricing works

Premiums vary by state, visit volume, services offered (for example, wound care, infusion, ventilator care), staff credentials, and prior claims.
Policies can be claims-made (lower first-year price; tail needed when you switch/close) or occurrence (higher up front; no tail needed).
If staff are independent contractors, they may need their own malpractice policy; the agency still needs entity coverage.

General Liability (agency) — typical annual ranges:

Small agency: $500 – $1,500 per year
Mid-sized agency: $1,500 – $5,000 per year
Large/multi-site agency: $5,000+ per year

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High-Risk Procedures and their Impact on your Premiums

Some home-based services carry higher claim frequency or more severe outcomes. Carriers will still insure many of these, but they may add conditions, higher deductibles, or rate surcharges. Strong protocols can reduce costs.

Service / Exposure	Why It’s Higher Risk	Controls Required	Insurance Impact
Infusion / IV therapy at home	Infection, dosing errors, line complications in a non-clinical setting	Aseptic protocols, competency checks, emergency plans, patient education	+30–50% on malpractice when a large share of visits involve IVs
Complex wound care and debridement	Pressure injuries or infection from poor monitoring or documentation	Standardized care plans, photo documentation, frequent reassessment	+20–40%; higher with prior wound-related claims
Ventilator or tracheostomy management	Aspiration, equipment failures, power interruptions	Emergency backup plans, equipment logs, caregiver training	+25–45%; pediatric/high-acuity cases rate higher
Transfers and mobility assistance	Patient falls and musculoskeletal injuries during lifts	Two-person or lift-assist policy, home safety assessment, gait aids	+15–35% (malpractice and GL), especially with fall history
High-risk medications at home	Anticoagulants, insulin, opioids—errors have severe outcomes	Double-check protocol, e-MARs, clear handoffs to family/MD	+10–30% based on volume and error history
Behavioral/psychiatric home visits	Unpredictable behavior; safety issues in uncontrolled settings	De-escalation training, two-staff visits when indicated, safety checklists	+20–40%; may require special protocols in the application

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Other types of Insurance Home Healthcare organizations may need

Homewood can often combine different different types of coverage into one policy.

General Liability Insurance

General Liability covers medical expenses and attorney fees which result from bodily injuries and property damage that your facility or organization could be legally responsible for.

Professional Liability Insurance

Also known as malpractice insurance, this protects facilities against claims related to malpractice, negligence, or injury resulting from patient care. Staff members will typically be covered by professional liability insurance.

Sexual Abuse and Molestation Insurance

Provides coverage for your facility against claims arising from alleged sexual misconduct or molestation by an employee or other representative of your organization.

Commercial Property Insurance

This protects your facility against damage or loss to your buildings, equipment, and other property, which can happen as the result of various risks such as fire, theft, or vandalism.

Workers’ Compensation Insurance

Workers’ Compensation Insurance is usually mandated by law. It protects home healthcare organizations and employees in case of work-related injuries or illnesses.

Cyber Liability Insurance

Covers you against financial losses associated with data breaches, cyber attacks, and other cyber incidents. Insurers will usually conduct rigorous testing of your online system to fix vulnerabilities as part of this policy.

Why Work With Homewood

Policies tailored to how your teams actually deliver care—from basic nursing to infusion and ventilator support.

Access to nearly 100 insurance carriers, including markets that understand home-based care.
Guidance on claims-made vs. occurrence, prior-acts and tail, and closing gaps between entity and individual coverage.
Help aligning documentation, infection-control, transfer, and missed-visit protocols with what carriers expect.
Straight talk on pricing and endorsements so you know exactly what is—and isn’t—covered.

Call 947-274-3093 or Fill Out the Form

Ralph Schiller

Ralph specializes in sourcing the most suitable insurance for Home Healthcare organizations at the best price. You can call him or fill out the form and he will get your message directly.

Call 947-274-3093 or email submissions@homewood.insure.