Home health and home care agency insurance in Oakland County, Michigan

Coverage for Oakland County care providers

• Workers' compensation under Michigan's own classes: 8835 home health care, 9053 adult foster care and homes for the aged, 8829 hospice facilities, 8810 clerical
• General and professional liability at the limits your MI Choice, payer and referral contracts require
• Abuse and molestation coverage for in-home and residential care
• Hired and non-owned auto for caregivers driving to clients, plus employment practices liability

Workers' comp and wages in Oakland County

Michigan requires workers' comp once you regularly employ three people at one time, part-time staff included, or one person 35 or more hours a week for 13 weeks (MCL 418.115). Going without is a misdemeanor, and each day counts as a separate offense. Michigan doesn't allow local minimum wages (MCL 123.1385), so Pontiac employers pay the statewide $13.73 an hour in 2026, rising to $15.00 on January 1, 2027. Workers' comp is priced on payroll, so plan for the 2027 increase when you estimate next year's premium. Michigan rates are built from CAOM advisory pure premiums plus each carrier's own pricing, so quotes for the same agency can differ widely.

MI Choice and aging network contracts in Oakland County

Home and community-based care in Oakland County runs through AgeWays Nonprofit Senior Services (formerly Area Agency on Aging 1-B), headquartered in Southfield. MI Choice waiver agents serving the county are AgeWays and Easterseals/MORC. Each waiver agent, hospital and referral partner sets its own insurance requirements for contracted providers, so check every contract for the liability limits and certificate wording it asks for.

Licensing rules that apply to you

Michigan doesn't license home health agencies or non-medical home care agencies at the state level. Hospices are licensed by LARA under Part 214 of the Public Health Code. Adult foster care homes are licensed by LARA under 1979 PA 218, and homes for the aged serve 21 or more residents aged 55 and older. Medicaid Home Help agencies must directly employ their caregivers, with no subcontracting.

One policy for agencies that cross county lines

Oakland County agencies in Southfield, Troy and Commerce Township often send caregivers into Wayne and Macomb counties too. Because Michigan has a single statewide minimum wage and statewide class codes, one Michigan workers' comp policy can cover every county you serve; what matters is reporting each employee's payroll in the right class, such as 8835 for caregivers and 8810 for office staff. If you open a second office, we add it as a location rather than starting a new policy.