Home Health & Hospice

Specialized Coverage for Home Health & Hospice Providers

As a home health or hospice provider, you face unique challenges each day as you focus on helping your patients. You give your patients a sense of security, and you deserve insurance coverage that gives you that same peace of mind. That’s why you should work with experts like the ones we have at VGM Insurance. We’re focused on building forever relationships, and we’ll work with you to provide the right coverage, ensuring your home health or hospice agency feels secure. Ready to learn more and get a quote? Click the button below to get the process started.

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Who Should Get Home Health & Hospice Insurance?

Our comprehensive policies are tailored to the unique needs of our clients in the home health and hospice industries. Not sure if this coverage is right for your business? Check out the list below to see who our home health and hospice program is for.

Home Health Providers
Hospice Providers
Temporary Staffing

Exclusive
Workers’ Compensation Program

We live home health. We understand your business unlike any other insurer, including the challenges and risks associated with providing care to patients in the home. This industry knowledge has allowed us to create a Workers’ Compensation program to fit your unique needs. You’ll find competitive pricing, streamlined processes, and the unrivaled customer service you deserve. Start the quote process to see what makes our Workers’ Compensation program unique.

At VGM Insurance, we live the hospice care profession. We know every patient is unique, especially in the hospice or palliative care setting. And we understand the unique risks this presents to your business. Our proprietary Workers’ Compensation program is designed specifically to fit your business’s needs. With competitive pricing, streamlined processes, and exceptional customer service, you’ll find our program offers protection beyond the policy. Click the button below to learn more about our Workers' Compensation program for home healthcare and hospice providers and to start the quote process today.

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Home Health & Hospice Coverage Options

We offer specialized, full-line coverage to home health and hospice providers of all sizes and types across the country. And, we pride ourselves on providing tailored solutions for the unique needs of every provider. Check out our list of coverage options.

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Flexibility: We can work directly with your current broker.
Enhanced Coverage and Competitive Pricing: Our programs are designed by industry experts, providing the coverage your business needs at competitive prices.
Trusted Carrier Partners: We work only with A.M. Best ‘A’ Rated or higher carriers. You can trust us to protect your business.
Risk Management Expertise: Access to our full portfolio of risk management resources helps you manage your risk and defend your business.

Program Highlights

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Home Health & Hospice Program FAQs

What insurance do home health and hospice providers need?

Home health and hospice providers typically need specialized insurance coverage designed for care delivered in patients’ homes. This often includes general liability, professional liability, workers’ compensation, business auto, and employment-related coverage. Because home-based care involves clinical services, employee travel, and patient interaction outside of a controlled facility, standard business insurance is often not sufficient.

What is home health & hospice insurance?

Home health & hospice insurance is a specialized insurance program created to protect agencies that provide medical, supportive, or end-of-life care in patients’ homes. Coverage is designed to address the unique risks these providers face, including caregiver injury, professional liability, in-home patient claims, vehicle exposure, and regulatory responsibilities. This type of insurance helps agencies operate with confidence while focusing on patient care.

Who should consider home health & hospice insurance?

This insurance is designed for organizations involved in delivering care and clinical services outside of a hospital or facility setting, including:

Home health agencies
Hospice providers
Temporary or contract healthcare staffing agencies

If your organization employs caregivers, clinicians, or support staff who provide services in patient homes, specialized home health and hospice insurance is strongly recommended.

Why do home health and hospice providers need specialized insurance coverage?

Providing care in patients’ homes presents risks that are different from those faced by traditional healthcare facilities. These may include caregiver injuries during home visits, liability related to clinical decisions or documentation, auto accidents while traveling between patients, and claims involving patient or family interactions. Specialized insurance coverage helps ensure these exposures are properly addressed and managed.

Is insurance required for home health or hospice providers?

Insurance requirements vary by state, payer contracts, and regulatory guidelines. Many home health and hospice providers are required to carry specific types of coverage, such as general liability or workers’ compensation, to operate legally or participate in payer programs. Even when not strictly required, adequate insurance is essential to help protect your agency, employees, and patients.

What coverage options are typically included in home health & hospice insurance?

Home health and hospice insurance programs may include a combination of the following coverages:

Commercial General Liability for third-party bodily injury and property damage claims
Professional Liability (Errors & Omissions) for claims related to clinical services, documentation, or professional decision-making
Workers’ Compensation for employees injured while providing care or traveling between patients
Business Auto coverage for agency-owned vehicles used for patient-related travel
Property Insurance for office locations, medical supplies, and equipment
Excess or Umbrella Liability for added protection above primary policy limits
Directors & Officers Liability for leadership and governance decisions
Employment Practices Liability for employment-related claims such as wrongful termination or discrimination
Cyber Liability for data breaches and cyber incidents involving patient information
Surety Bonds related to contractual or financial obligations

Coverage needs vary depending on services offered, staffing model, and geographic footprint.

Does home health & hospice insurance cover caregivers working in patient homes?

Properly structured insurance coverage can help address risks associated with providing care in patients’ homes. This may include coverage for injuries to caregivers, claims related to patient care, and property damage involving patient residences. Because in-home care presents different risks than facility-based care, specialized coverage is important.

Does home health & hospice insurance include coverage for employee travel?

Many home health and hospice providers rely on staff who travel between patient visits using personal or agency vehicles. Insurance programs can be structured to address business auto exposure, as well as hired and non-owned auto liability, helping protect the agency from claims related to vehicle accidents during work-related travel.

How do I get started with home health & hospice insurance?

Getting started typically involves reviewing your agency’s services, staffing model, and risk exposure to determine appropriate coverage. From there, a customized insurance solution can be developed. Many agencies begin by requesting a quote or coverage review to ensure their insurance keeps pace with operational and regulatory requirements.

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Home Health & Hospice Insurance