Insurance for Illinois home services and home health agencies
The Illinois Department of Public Health requires a certificate of liability insurance with every home health, home nursing and home services agency license application. Our Schaumburg team builds that program and the workers' comp behind it.
- Licensing liability minimum
- $1M / $3M
- Certificate of Insurance with the license application, 77 Ill. Adm. Code 245.90.
- Workers' comp
- 1 employee
- Required from the first hire, including part-time caregivers.
- Typical class code
- 8835
- NCCI home health care classification used in Illinois.
What Illinois licensing requires
Section 245.90 of the Home Health, Home Services, and Home Nursing Agency Code states that a license application must be accompanied by a Certificate of Insurance documenting minimum liability coverage of $1 million per occurrence and $3 million aggregate. The rule applies to home health, home nursing, home services, home nursing placement and home services placement agencies. Placement agencies' client agreements must also say who is responsible for workers' comp and liability coverage.
Workers' comp for Illinois caregivers
Illinois requires workers' compensation from your first employee. Home health workers are usually classified under NCCI code 8835, and office-only staff under 8810. Illinois insurers apply their own multipliers to NCCI loss costs, so comparing carriers matters. Knowingly going without coverage can bring fines of up to $500 per day with a $10,000 minimum.
Coverage we add for Illinois agencies
- Hired and non-owned auto for caregivers driving between clients
- Abuse and molestation coverage
- Employee dishonesty and client theft bonds
- Employment practices liability
Frequently asked questions
What insurance does an Illinois home services agency need?
A Certificate of Insurance showing at least $1 million per occurrence and $3 million aggregate liability with the license application, plus workers' compensation for employees.
What workers' comp class code do Illinois home health aides use?
Usually NCCI class 8835. Office staff who don't visit clients are typically 8810.
Are you near our agency?
Our office is in Schaumburg, and we work with agencies across Chicago, the suburbs and the rest of Illinois.
Sources: 77 Ill. Adm. Code 245.90; Illinois Workers' Compensation Commission.
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