General liability for home-health agencies

Published 2026-06-11 · by Brokly

Worth a look

Working in clients' homes every day, injury or damage to others — and to their property — becomes a claim against the agency.

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)

What it costs — benchmark in progress

The same treatment our workers’-comp benchmarks already get: real filed-rate and quote data for general liability, by state and business size, fully sourced and dated. As quote data accumulates, this page becomes the general liability benchmark for home-health agencies — same URL, real numbers.

Until then, see what home-health agencies need state by state: Arizona · California · Connecticut · Florida · Georgia · Illinois · Indiana · Kansas · all states →

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