Home Health Care Insurance Cost: Ranges + Calculator
A home care agency's biggest catastrophic exposure is one a generic business policy quietly excludes: abuse and molestation. Standard general liability carries an absolute abuse/molestation exclusion — if an allegation against a caregiver lands, the GL carrier denies the claim and refuses to defend. Dedicated abuse & molestation (SAM) coverage is the only thing that responds. Our own quote data shows these agencies most request general and professional liability (medical malpractice for care delivered in the home).
As an industry-typical estimate, a home-care agency runs roughly $2,000–$8,000+/year across general liability, professional/malpractice liability, abuse & molestation, hired & non-owned auto (aides drive their own cars to clients), and payroll-rated workers' compensation — the top physical exposure is caregiver injury lifting patients. No insurance bureau publishes home-care premiums, so every dollar here is an estimate; each coverage fact is sourced to a named authority (III, and a carrier coverage explainer). Use the calculator below, then get a real quote in 5 minutes.
| Business activity |
|---|
| Home care of elderly, medical |
| Home health agencies |
| Home health care agencies |
| Home infusion therapy services |
| Home nursing services (except private practices) |
| Hospice care services, in-home |
| Nurse associations, visiting |
| Nursing agencies, primarily providing home nursing services |
| Visiting nurse associations |
What businesses actually request
Across 25 recent commercial-insurance quote requests on Get Business Coverage, here is how often each coverage line is requested — our own first-party demand data, not a rate quote.
| Coverage | Share of requests |
|---|---|
| General Liability | 88% |
| Professional Liability | 32% |
Estimate your commercial insurance cost
Plug in a few business details and we'll show an industry-typical annual range for General Liability + Workers Compensation + Commercial Auto, with the source for every number. Real quotes vary by carrier, claims history, and underwriting — get an actual quote here.
Industry-typical market ranges
Sourced from III, NCCI, ISO, NAIC, BLS, FMCSA, FDA, NRA — government and bureau publications, not from our quote form
Coverage lines a home health care agency typically carries (industry-typical estimates):
- Abuse & molestation (SAM): the trade-defining line — standard general liability excludes abuse/molestation and will not defend it, so SAM is the only coverage that responds to a caregiver allegation. Selective abuse & molestation coverage.
- Professional liability / medical malpractice: errors, omissions, or failure to meet the standard of care in the home — often required by state law or client contracts. III professional liability.
- General liability: third-party bodily injury and property damage in a client's home. III commercial general liability.
- Hired & non-owned auto: aides driving their own cars to clients create vicarious liability for the agency — added by endorsement. III commercial auto.
- Workers' compensation: caregiver injury from lifting/transferring patients is the top physical exposure — mandatory in nearly every state. III workers comp.
Caregiver headcount, services offered (skilled nursing vs. companionship), and driving exposure are primary rating factors.
Recent rate-filing activity — 8 state filings across 1 commercial line
Commercial carriers can't charge whatever they want — each state's Department of Insurance must approve loss-cost filings before they take effect. These are primary-source, government-held records available on SERFF Filing Access. Cited below: the most-recent active filings affecting home health care operations, each cited to the regulator or bureau filing it came from.
| Line | State | Overall change | Effective | Filing |
|---|---|---|---|---|
| WC | NV | -32.8% voluntary loss cost decrease (legislatively-driven; SB 317) | Oct 1, 2026 | SERFF #NCCI-134895530 |
| WC | RI | Overall -2.5% voluntary (industrial); -12.9% federal classes | Aug 1, 2026 | SERFF #NCCI-134743616 |
| WC | AR | Overall -9.8% voluntary loss cost; -9.8% assigned risk market | Jul 1, 2026 | SERFF #NCCI-134876672 |
| WC | TX | Overall -3.8% adjustment to voluntary loss cost level | Jul 1, 2026 | SERFF #NCCI-134745334 |
| WC | OH | -1% private-employer rate cut (~$10M aggregate; -50% cumulative since 2019) | Jul 1, 2026 | — |
| WC | SC | -0.4% voluntary loss cost decrease | Apr 1, 2026 | SERFF #NCCI-134702984 |
| WC | NC | per $100 payroll (advisory loss cost) | Apr 1, 2026 | Filing #NCRI-134628278 |
| WC | NC | per $100 payroll (advisory loss cost) | Apr 1, 2026 | Filing #NCRI-134628278 |
Source: SERFF Filing Access (filingaccess.serff.com) — the official public-records interface for state Department of Insurance filings. Loss-cost changes shown are the overall bureau-wide change in each state; the actual impact on your quote depends on your class code, payroll, experience modifier, and carrier-specific loss-cost multiplier (LCM). Get a quote for your exact numbers.
Bureau-filed loss-cost activity by state — 45 states with filings
Each link below opens a home health care-specific page showing only that state's most-recent bureau-filed loss-cost filings (NCCI workers' comp and/or ISO commercial-lines), cited to the regulator or bureau filing each came from. Filed-rate data ≠ carrier final rates.
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Sources cited
- Abuse and Molestation Coverage — Selective Insurance, 2024
- Professional Liability Insurance — Insurance Information Institute (III), 2024
- Commercial General Liability Insurance — Insurance Information Institute (III), 2024
- Commercial Auto Insurance — Insurance Information Institute (III), 2024
- Workers Compensation Insurance — Insurance Information Institute (III), 2024