Home Health & Hospice Care

Specialized coverage architecture for home healthcare agencies, visiting nurses, and regional hospice care providers. We focus on securing comprehensive Professional Liability, high-capacity Commercial Auto for traveling clinicians, and robust Employment Practices Liability (EPLI) for your growing workforce.

Operational Risk Profile

Home health operations manage a highly decentralized workforce operating entirely outside a controlled clinical environment. This creates severe operational exposures, including non-owned auto liability as staff travel between patient homes, heightened workers’ compensation risks in unpredictable residential settings, and strict professional liability requirements for visiting clinicians providing direct patient care.

Core Coverage Considerations

While every agency has a unique risk profile, a foundational risk management strategy for home health providers typically includes the following core coverages.

Medical Professional Liability

Specialized malpractice defense tailored for the unique risks of providing hands-on clinical care and administering medication inside patient homes.

Hired & Non-Owned Auto (HNOA) Liability

Critical balance-sheet protection defending the agency if a traveling nurse or aide is involved in an auto accident while driving their personal vehicle for work.

Workers’ Compensation

High-frequency risk management protecting decentralized clinical staff from injuries occurring in uncontrolled residential environments.

Crime & Third-Party Fidelity

Specialized bonds protecting the agency against allegations of employee theft or property damage within a patient’s home.