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

Published 2026-06-11 · by Brokly

Required if…

Required if your state conditions the home-health agency license on liability coverage — several states do.

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)

What it costs — benchmark in progress

The same treatment our workers’-comp benchmarks already get: real filed-rate and quote data for professional liability (e&o), by state and business size, fully sourced and dated. As quote data accumulates, this page becomes the professional liability (e&o) 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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