Jeremy A. Jones Insurance & Risk Management
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Home health caregiver supporting an older adult at home
Home healthcare agency insurance

Insurance and Risk Management for Home Healthcare Agencies

Home health and caregiving companies send employees into the field every day in their own personal vehicles. Most operators don't realize that trip isn't covered by their policy or the employee's. I help you close that gap before it becomes a claim.

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Professional liability
Workers’ compensation
Cyber & privacy
Hired & non-owned auto
Regulatory defense

Home healthcare is different

Your Agency Doesn’t Operate Like a Traditional Business. Your Insurance Shouldn’t Either.

Every time one of your caregivers gets in their personal car to drive to a patient's home, your company has a liability exposure. If they cause an accident on the way to a visit, or on the way back, and someone is injured, the claim can come back to you. That's the hired and non-owned auto exposure, and it's one of the most overlooked risks in home health and caregiving.

But the driving is only part of it. Think about why most of these patients need a caregiver in the first place, they can't get around on their own anymore. That means your caregiver isn't just driving to the home. They're helping the patient into the car, running errands, transporting them to appointments, and helping them back out at the end. Every one of those transfers is a bodily injury exposure. A patient who slips getting into a vehicle, or falls during a transfer, can generate a claim that sits right at the intersection of auto liability and professional liability, and a policy with gaps in either area leaves you exposed.

Home healthcare caregiver driving to a patient visit
A meaningful review starts with how care is delivered, not a generic checklist.

Coverage considerations

Coverage Built Around Your Agency

Professional Liability

Helps address allegations arising from professional services, such as medication errors, care-plan concerns, patient falls, transfers, or other care-related claims, subject to policy terms.

General Liability

May address third-party bodily injury or property-damage allegations connected with your operations, including incidents that occur in a patient’s home.

Workers’ Compensation

Helps address workplace injuries involving caregivers, nurses, and office staff. Requirements and coverage details vary by state and situation.

Hired & Non-Owned Auto Liability

An important consideration when employees use personal or rented vehicles for agency business, including travel between patient visits.

Abuse & Molestation Liability

A coverage area agencies should review carefully when serving vulnerable individuals, including how allegations and related negligent supervision claims are handled.

Cyber & Privacy Liability

May help with costs and response obligations after a data breach, ransomware event, or other incident involving protected information.

Employment Practices Liability

Helps address certain employment-related allegations, such as wrongful termination, discrimination, or harassment claims, subject to the policy.

License & Regulatory Defense

Can help with defense expenses tied to licensing or regulatory matters when coverage is available and the circumstances qualify.

Commercial Property

Can protect business personal property, office equipment, and other physical assets that support agency operations.

Commercial Umbrella / Excess Liability

May provide additional liability limits over eligible underlying policies. The structure should be reviewed alongside the rest of the program.

Connected exposures

Risks That Deserve a Closer Look

Professional services

Medication errors, care-plan concerns, patient falls, transfers, and allegations connected to services provided by caregivers can raise professional liability questions.

Employees in patients’ homes

Caregivers work in environments the agency does not control, creating connected professional liability, general liability, employee-safety, and supervision concerns.

Employees driving for work

Travel between patient visits may involve employee-owned vehicles and potential hired and non-owned auto exposure, among other questions.

Workforce and employment risk

Payroll, turnover, hiring, supervision, classification, and employee-versus-contractor issues all affect the agency’s risk picture.

Patient privacy and cyber risk

Agencies handle protected health information and depend on technology, creating privacy, ransomware, and regulatory exposures.

Abuse and misconduct allegations

Agencies serving vulnerable individuals should understand how policies address allegations of abuse, negligent hiring, and negligent supervision.

Jeremy’s approach

Start With the Agency. Then Build the Insurance Around It.

A meaningful review begins by understanding your agency, not by immediately recommending policies. I look at the operational details that can change the coverage questions worth asking.

  • Services provided and the types of caregivers delivering them
  • Employees, independent contractors, payroll, and patient census
  • Geographic territory, employee driving, and patient transportation
  • Licensing, regulatory, contractual, and client insurance requirements
  • Claims history and changes in operations since the previous renewal

The insurance program should reflect the agency that exists today, not simply repeat last year’s policies.

Common questions

Home Healthcare Insurance, Answered Straight

Insights & Resources

Latest Insights for Home Healthcare Agencies

View All Home Healthcare Resources

Let’s Look at Your Agency as a Whole.

If you are not sure whether your current insurance still matches your agency’s operations, I can help review the program, identify questions worth asking, and determine what deserves a closer look.

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