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Home Health Care Insurance


Are you correctly and effectively insuring your business based on the unique exposures you face in the home health care industry?


Allied Insurance Managers, Inc. has established insurance programs for companies in the home health care industry. We can insure everything from the actions of professional nurses and therapists, who call on your clients in their homes, to mobile equipment, like laptops and external defibrillators. We have access to multiple carriers and have an in depth understanding of the unique exposures your home health care business may face. With specialized coverages and extensions tailored to your home health care business, we believe that we can best protect your business and reduce your risk .home health heart

Home Health Care is Gaining in popularity!

  • More cost effective than traditional care
  • Shifting demographics
    • 10,000 baby boomers will turn 65 each and every day for the next 17 years.
    • The home health care industry has gone from $ 38 billion to a $ 70 billion industry in the past 7 years.


Consider the Following Coverages offered by home health care programs:

  • Enhanced property endorsements, providing coverage for mobile medical equipment while away from your premises, including cell phones, laptops, AED’s and more.
  • Voluntary property damage coverage caused by your organization to your clients’ personal property regardless of fault.
  • Enhanced general liability endorsements providing broadened coverage specific to home health care.
  • Pure consent, requiring your consent to settle professional liability claims, except in Florida.
  • Professional liability that gives your employees, volunteer workers, medical director, administrators, independent contractors and students in training insured status.
  • Sexual misconduct and molestation coverage.
  • Business automobile coverage risk for no-nowned vehicles or fleet vehicles.
  • Employee Benefit Liability







The home health care policy focuses on:

  • Skilled nursing and therapists that provide their licensed medical care in the patient’s home
  • We prefer to see at least 50% of the payroll in the nursing/therapy category in comparison to home care aide or comfort care providers
  • Home companion care agencies

Allied Insurance Managers, Inc. has seen it all! If your business has unique exposures don’t hesitate to give us a call.


Home Health Care


umbrellaExtra Protection for your organization

For agencies that employ nurses or therapists, a separate umbrella liability policy can provide your business with higher limits of insurance for scheduled coverages, which may include automobile, general liability, professional liability, employer’s liability and sexual molestation liability.

Fidelity bonds can provide your business with basic protection when there is a criminal conviction of an employee. Additional coverage is available to help pay your customer for damages, wether or not a criminal conviction is attained, when there is clear and convincing evidence that your employee committed a covered fraudulent or dishonest act.

Allied Insurance Managers is an easy choice when it comes to protecting your home health care business!  We want to be your Trusted Advisor !

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Contact our resident Home Health Care Insurance Expert:

Joel Kleist - (248) 853-0930 or

Allied Insurance Managers, INC.