Insurance for home health, home care and hospice agencies
Home care has been a Bliss Marc specialty for decades. We build programs that meet state licensing minimums, price caregiver workers' comp correctly, and close the gaps that sink agencies: non-owned auto, abuse and molestation, and caregiver theft.
- Licensing liability minimum
- $1M / $3M
- Required by both California and Illinois.
- CA caregiver class 8827
- $2.794
- Advisory rate per $100 of payroll, Sept 1, 2026.
- Workers' comp
- First hire
- Required from your first employee in CA and IL.
The core program
- Workers' compensation for caregivers, nurses and office staff (California class 8827; NCCI class 8835 in Illinois)
- General and professional liability at $1 million per occurrence / $3 million aggregate
- Employee dishonesty bond with third-party coverage (California requires at least $10,000)
- Hired and non-owned auto for caregivers who drive to clients
- Abuse and molestation coverage, often excluded or limited in basic policies
State licensing requirements
California home care organizations must show general and professional liability of at least $1M per occurrence and $3M aggregate, workers' comp for their aides and a $10,000 dishonesty bond (Health and Safety Code 1796.37). Illinois home health, home nursing and home services agencies must submit a Certificate of Insurance showing $1M per occurrence and $3M aggregate liability (77 Ill. Adm. Code 245.90).
Mistakes we fix most often
- Caregivers paid as 1099 contractors who are employees under the law
- Office staff reported in the caregiver class, inflating premiums
- Liability limits that slipped below licensing minimums at renewal
- No non-owned auto coverage even though caregivers drive daily
- Bonds that cover only the agency's losses, not theft from clients
Frequently asked questions
What insurance does a home care agency need?
Workers' compensation, general and professional liability (at least $1M/$3M for licensing in California and Illinois), an employee dishonesty bond, and hired and non-owned auto. Abuse and molestation coverage is strongly recommended.
What is the workers' comp class code for home care?
California uses 8827 (home care services and nursing care in private residences). Illinois and other NCCI states usually use 8835. Office-only staff are typically 8810.
Can I get a quote online?
Yes. Our estimator was built for home health, home care and hospice agencies and prices workers' comp and $1M/$3M liability in about two minutes.
Sources: California Health and Safety Code section 1796.37; 77 Ill. Adm. Code 245.90; WCIRB September 1, 2026 rates.
See your price in two minutes
Instant workers' comp and liability estimates, with a licensed agent to finish the job.