What insurance does a home health care business need? (2026)
Most home health care operations carry a stack of commercial-insurance lines — some legally required (typically workers' compensation when you have employees), most commonly carried because clients, landlords, lenders, or regulators expect them. Below: the lines that bureau filings most often cite for home health care operations. Confirm what's legally required vs commonly carried with a licensed agent in your state — requirements vary state by state.
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Insurance requirements for other industries
Browse the typical insurance coverage stack for other verticals. Each links to that industry's standalone requirements page.
| 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 |