Professional liability (E&O) for home-health agencies

Coverage

What it covers for home-health agencies

Professional liability — errors and omissions — covers losses from errors in judgment, breaches of duty, or negligent acts in the performance of services for others. For a home-health agency that is the clinical work itself — skilled nursing and therapy delivered in patients' homes — where a missed assessment, a medication error, or care that falls short of the plan becomes a claim against the agency. Several states make liability coverage a condition of the agency license itself, each framing its own requirement. The product is clinical judgment exercised in a patient's home — and in several states the agency license rides on showing liability coverage.

Sources: NAIC — Glossary of Insurance Terms (errors and omissions / professional liability) (retrieved 2026-06-11) · Washington RCW 70.127.080 — in-home services agency license application (liability-insurance condition) (as of current RCW, retrieved 2026-06-11) · Florida Statutes §400.471(3) — home health agency licensure (malpractice and liability insurance) (as of 2025 Florida Statutes, retrieved 2026-06-11)

By state

Professional liability (E&O) 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 →