Commercial / Home Health

Michigan Home Health Care Insurance

Caring for clients in their homes carries exposures a clinic never faces — caregivers driving between visits, working unsupervised, and serving a vulnerable population. Michigan home health insurance covers the professional, liability, abuse, and auto risks your agency lives with every day.

What we do for home health care insurance clients

• Professional and general liability — coverage for claims tied to care provided and for premises and operations exposures.
• Abuse and molestation coverage — critical protection when caring for vulnerable clients, often excluded elsewhere.
• Non-owned auto for caregivers — coverage when staff drive their own cars between client visits — a gap most agencies miss.
• Medical and non-medical forms — skilled home health and non-medical home care get the right coverage for each.

Agencies we cover

Skilled home health agencies, non-medical home care and companion services, personal care and senior care providers, hospice support, and private-duty caregivers across Michigan.

What home health insurance covers

• Professional liability — claims tied to the care your staff provides.
• General liability — premises and operations injury and damage claims.
• Abuse and molestation — claims involving vulnerable clients in their homes.
• Non-owned / hired auto — caregivers driving personal vehicles for work.
• Workers compensation — required for nearly every Michigan employer.

Common questions

What insurance does a home health agency need in Michigan?

Typically professional liability, general liability, abuse and molestation coverage, non-owned and hired auto (for caregivers using their own cars), and workers comp. Skilled and non-medical agencies have different forms, and some payers and licenses require specific limits. We build the right program for your agency.

Why do home care agencies need abuse and molestation coverage?

Because caregivers work one-on-one with vulnerable clients, often unsupervised, abuse and molestation allegations are a serious exposure — and standard liability typically excludes or sublimits them. Dedicated coverage with proper limits is considered essential for home care.

Does it cover caregivers driving their own cars?

Only with non-owned and hired auto coverage, which most agencies need because staff drive personal vehicles between client visits. Without it, an at-fault accident on the way to a client can become the agency's uncovered liability. We make sure it's included.

How much does home health insurance cost in Michigan?

It depends on your services (skilled vs. non-medical), payroll, number of caregivers, and client volume. Because we're independent, we shop the carriers that specialize in home care to find the right coverage at the best price.