Florida Home Health Agency Insurance
Florida home health agency insurance helps licensed agencies meet AHCA insurance requirements and protect against professional liability, general liability, employee injuries, auto exposures, cyber incidents, employment claims, and other operational risks.
Sun Insurance Services helps Florida home health agencies compare coverage from multiple commercial insurance carriers and review licensure, contract, staffing, vehicle, cyber, and professional liability requirements.
Request a Home Health Agency Insurance Quote
Commercial Insurance Agent: Scott Mauldin
Call or Text Scott: (407) 781-1609
What Insurance Does a Florida Home Health Agency Need?
Florida law requires licensed home health agencies to obtain and maintain both malpractice insurance and liability insurance of at least $250,000 per claim. Proof of coverage must be submitted with the initial license application and each license renewal.
Depending on staffing, vehicles, services, contracts, and technology, agencies may also need workers’ compensation, commercial auto or hired and non-owned auto, cyber liability, employment practices liability, business property, umbrella liability, and other coverage.
Florida AHCA Insurance Requirements for Home Health Agencies
- Malpractice insurance: at least $250,000 per claim.
- Liability insurance: at least $250,000 per claim.
- Proof of coverage: submitted with the initial application for licensure and each renewal.
AHCA regulates and licenses Florida home health agencies. Agencies should also review current AHCA application materials and contract-specific requirements that may exceed the statutory minimums.
Current sources: Florida Statute 400.471 and AHCA Home Health Agencies.
Insurance Coverage for Florida Home Health Agencies
Professional Liability / Malpractice Insurance
Professional liability can respond to covered claims alleging negligent care, medication errors, failure to follow treatment plans, inadequate supervision, or other professional-service mistakes.
General Liability Insurance
General liability can respond to covered third-party bodily injury, property damage, and personal or advertising injury claims that are not professional medical negligence claims.
Workers’ Compensation Insurance
Most non-construction Florida employers must carry workers’ compensation coverage when they have four or more employees, including non-exempt business owners.
Commercial Auto and Hired & Non-Owned Auto
Agencies that own or lease vehicles should review commercial auto coverage. Agencies whose nurses, aides, therapists, or other employees drive personal vehicles for work should also review hired and non-owned auto liability.
Cyber Liability Insurance
Home health agencies handle protected health information, electronic health records, mobile devices, billing data, and other sensitive information. Cyber coverage can help address certain breach-response, ransomware, privacy, regulatory-defense, and business-interruption costs, subject to policy terms.
Employment Practices Liability Insurance
EPLI can help address covered employment claims such as discrimination, harassment, retaliation, and wrongful termination.
Umbrella or Excess Liability
Umbrella or excess liability can provide additional limits above eligible underlying policies when a covered claim exceeds those limits.
Workers’ Compensation Requirements for Florida Home Health Agencies
Most non-construction Florida employers must carry workers’ compensation insurance when they have four or more employees, full-time or part-time, including non-exempt corporate officers or LLC members.
Review Florida Workers’ Compensation Insurance
Current source: Florida Division of Workers’ Compensation coverage requirements.
What Insurers Look at When Quoting a Home Health Agency
- Skilled nursing, therapy, aide, companion, or personal-care services.
- AHCA license or application status.
- Annual revenue and payroll.
- Employee and independent-contractor counts.
- Projected patient census and visit volume.
- Professional credentials and supervision procedures.
- Patient lifting and transfer procedures.
- Employee driving and vehicle use.
- Cybersecurity, electronic records, and HIPAA procedures.
- Prior insurance and claims history.
- Referral, payer, hospital, lease, and lender requirements.
How Much Does Home Health Agency Insurance Cost in Florida?
There is no reliable one-price estimate for a Florida home health agency. Premium depends on the agency’s services, payroll, patient census, professional staff, driving exposure, limits, deductibles, cyber exposure, claims history, contracts, and carrier appetite.
A companion-care operation can have a very different insurance profile from an agency providing skilled nursing, therapy, or higher-acuity services.
Why Work With Sun Insurance Services?
- Independent Florida insurance agency.
- Multiple commercial insurance carrier options.
- Professional liability and general liability coordination.
- Workers’ compensation, auto, cyber, EPLI, and umbrella options.
- Certificate and contract insurance review.
Sun Insurance Services
7680 Universal Blvd Suite 198
Orlando, FL 32819
Call or Text (407) 781-1600
Sun Insurance Services Customer Reviews
Florida Home Health Agency Insurance FAQ
What insurance is required for a Florida home health agency?
Florida home health agencies must obtain and maintain malpractice insurance and liability insurance of at least $250,000 per claim and provide proof of coverage with the initial licensure application and each license renewal.
When is workers’ compensation required for a Florida home health agency?
Most non-construction Florida employers must carry workers’ compensation coverage when they have four or more employees, including non-exempt business owners.
Does a Florida home health agency need professional liability insurance?
Yes. Florida law requires malpractice insurance of at least $250,000 per claim for licensed home health agencies.
Should a home health agency carry cyber liability insurance?
Cyber liability can be important because home health agencies handle protected health information, electronic records, mobile devices, and other sensitive data.
Do home health agencies need commercial auto coverage?
An agency that owns or leases vehicles should review commercial auto coverage. Agencies whose employees use personal vehicles for work should also review hired and non-owned auto liability exposures.
Can Sun Insurance Services help with certificates and AHCA proof of insurance?
Yes. Sun Insurance Services can help review insurance requirements, arrange qualifying coverage when available, and provide certificates for active policies.
Request a Florida Home Health Agency Insurance Quote
Tell us about your agency, AHCA status, services, staffing, payroll, patient census, vehicles, claims history, and contract requirements.
Scott Mauldin, Commercial Insurance Agent
Call or Text Scott: (407) 781-1609