Home-health agency coverage guide
General liability for home-health agencies
Updated 2026-06-11 · by Brokly
If your staff damages a client's home or hurts someone while working there, and a claim lands on the agency.
Coverage
What it covers for home-health agencies
Protects the agency against claims of bodily injury or property damage to others. Home-health work happens inside clients' homes: a damaged floor, a broken fixture, a family member tripping over equipment — third-party claims arrive against the business whose staff were in the house. Care work also carries an exposure of its own: abuse-and-molestation coverage — insurance against claims of physical or sexual abuse — which Oregon's state risk-management office, for one, calls for in state contracts for services involving care of a client. The workplace is someone else's home — every visit is a premises the agency doesn't control, full of property it can be held answerable for.
Sources: Texas Department of Insurance — Commercial general liability insurance (retrieved 2026-06-11) · Oregon DAS Risk Management — Insurance Clauses: Physical Abuse and Sexual Molestation (retrieved 2026-06-11)
By state
General liability by state
What home-health agencies need varies by state. See the full guide for home-health agencies in your state: Arizona · California · Connecticut · Florida · Georgia · Illinois · Indiana · Kansas · all states →