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

Coverage for Wayne 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 Wayne 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 Detroit 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 Wayne County

Home and community-based care in Wayne County runs through two Area Agencies on Aging: the Detroit Area Agency on Aging (Region 1-A) serves Detroit, Hamtramck, Highland Park, Harper Woods and the five Grosse Pointes, and The Senior Alliance (Region 1-C), based in Dearborn, serves the rest of the county. MI Choice waiver agents serving the county are the Detroit Area Agency on Aging, The Senior Alliance and The Information Center in Taylor. 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.

Two aging agencies, three MI Choice waiver agents

Wayne County is Michigan's largest county and the only one of the five split between two Area Agencies on Aging. An agency serving clients in both Detroit and Dearborn or Livonia may contract with more than one MI Choice waiver agent, and each contract can set its own liability limits and certificate wording. We match your general and professional liability limits to the strictest contract and issue certificates the same business day, so a new referral source isn't held up waiting on paperwork.