Home Health Aide

Home Health Aide Insurance

Affordable, Reliable Home Health Aide Malpractice Insurance.
Trust Your Career With CM&F!

Protecting Healthcare Professionals Since 1919

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Home Health Professional Liability Insurance Policy Benefits

CM&F offers home health aide malpractice insurance, also known as home health aide liability insurance that is tailored to the needs of individual caregivers - not the agency or office. Home health workers have peace of mind knowing their integrity and assets are protected by CM&F's superior professional liability insurance.

All of CM&F's home health aide professional liability insurance policies are comprehensive, portable and flexible - offering 24/7 coverage that is inclusive of any services outlined within your scope of practice according to relevant state laws, as outlined within your policy agreement.

CM&F is one of the country’s longest-standing professional liability insurance providers, with over 100,000 healthcare providers across the U.S. putting their careers in the hands of CM&F. Most home health workers will never be sued, but if you are, the protection you have matters. With excellent service, innovative technology, and even better coverage, CM&F has your back with the market's best professional liability insurance for home health workers.

Home Health Aide LIABILITY INSURANCE BENEFITS
  • Coverage Options up to $2 Million Per Claim
  • Full Consent to Settle Claims
  • License Defense Coverage
  • General Liability Available
  • Defense Costs in Addition to Liability Limits
  • Sexual Misconduct Defense
  • HIPAA Defense Coverage
  • Telemedicine/Telehealth Coverage
  • 24/7 Portable Coverage That Covers You Everywhere You Go, Even in Volunteer, Virtual, or Contracting Assignments
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Why Choose CM&F?

In the last 25 years, Home Health Professionals have been exposed to large liability claims with no insurance protection after their insurance company went out of business. CM&F has always partnered with the strongest and most committed liability insurance companies to offer the most competitive and reliable medical liability insurance in the market. You will most likely never end up in a lawsuit, but if you are, the protection you have matters!

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Some employed healthcare providers may be told that they are covered by their employer’s insurance policy. But unless you are the OWNER of the policy, your interests could likely be viewed as secondary to your employer, the clinic or the office who owns the policy – should a claim arise. Your policy with CM&F is portable, going wherever you go, even when you switch jobs, so you always know you’re covered.

In the last 25 years, Home Health Professionals have been exposed to large liability claims with no insurance protection after their insurance company went out of business. CM&F has always partnered with the strongest and most committed liability insurance companies to offer the most competitive and reliable medical liability insurance in the market. You will most likely never end up in a lawsuit, but if you are, the protection you have matters!

Some employed healthcare providers may be told that they are covered by their employer’s insurance policy. But unless you are the OWNER of the policy, your interests could likely be viewed as secondary to your employer, the clinic or the office who owns the policy – should a claim arise. Your policy with CM&F is portable, going wherever you go, even when you switch jobs, so you always know you’re covered.

Thousands of professionals have trusted us with their career, and it’s easy to see why. CM&F only partners with insurance carriers who carry the highest A.M. Best ratings in the market today!

Find Out Why Home Health Aides Love Us!

Top FAQs

Still need help? Search our Help Center to find an answer to your question. Or get in touch:

1-800-221-4904 1-800-221-4904
Do I need Occurrence or Claims Made coverage?

“Occurrence” or “Claims Made” refers to the type of coverage you’d be purchasing. This affects when you are able to report a claim on your policy.

Claims Made: You are only able to report a claim on a claims made policy while the policy is active. For instance, if you let your policy expire, and then six months later a former patient brings a lawsuit against you for an incident which occurred during the policy period, a claims made policy would no longer cover that claim (unless you purchased an Extended Reporting Endorsement, or “Tail Coverage”).

Occurrence: An occurrence policy covers you indefinitely for incidents that occur within the policy period, meaning you are covered for the time period during which you had the policy even if it is no longer active. It is essentially the same as a claims made policy with a built-in Tail.

Does having personal liability insurance make me more of a target for lawsuit?

ABSOLUTELY NOT. In the event of a lawsuit, the injured patient’s lawyer will typically name everyone that was involved in the patients care.  Lawyers have no way of knowing who does or does not have liability insurance, as there are no public registries of private insurance contracts. Our liability policy will provide coverage immediately upon notice. That is the protection you need.

How quickly can I get my coverage documents?

You can either apply online or download your application and mail or fax it to our offices. Below are the turn around times for each method:

  • If you apply for coverage online via our CM&F Online Web Applications*, you can pay for and receive proof of coverage in MINUTES!  
  • Printing and Mailing a PDF application can delay the receipt of your coverage documents by a few weeks due to mailing time.
  • You can always fax your paper application to 212-608-4378, and we will process within a few business days, then mail your policy documents out to you, which may take a week or more.

If you have the ability to pay with a credit card, we recommend applying for coverage online.  The process usually takes less than 10 minutes to complete and once you submit your application, you are emailed your coverage documents in minutes–No Delay, No Headache.

If you can’t complete the online application but need your documents right away, you can always fax your application to the number above and include a note directly on the application requesting that we mail or fax your documents as soon as we process.

*Need help applying? Contact us for further instructions and assistance on accessing our Online Applications.

What are "Per Occurrence" & "Aggregate" liability limits?

Your “Per Occurrence,” or “Per Claim,” limit is the total amount the insurance company will pay per incident during the policy term. Your “Aggregate” limit is the total amount the insurance company will pay for multiple claims over the course of one policy term (which is often one year).

What is Professional Liability Insurance?

Professional Liability Insurance provides protection against covered claims arising from real or alleged errors or omissions, including negligence, in the course of your professional duties. For Healthcare workers, this is commonly referred to as, medical malpractice insurance or “med mal.” Professional liability insurance can also be known as an errors and omissions insurance or professional indemnity insurance.