Home Care Agency Insurance in Missouri
Missouri treats home care differently from most states. A private-pay agency offering non-medical care needs no state license, so nobody checks your insurance before you open. That puts the job of getting coverage right on you. Agencies that serve MO HealthNet clients face the opposite: a state contract with $1 million insurance minimums and an employee dishonesty requirement.
Chamberlin & Reinheimer insures franchise and independent home care agencies across Missouri, from St. Louis and Kansas City to Springfield and Columbia. We know both paths, and we build coverage for the one you are on.
Missouri Licensing & Insurance Requirements
What applies to your agency depends on who pays for the care:
- Private-pay non-medical care: Missouri issues no license for this type of agency. Personal care, companion and homemaker services for private-pay clients need only standard business registration.
- Home health (skilled care): The Department of Health and Senior Services licenses home health agencies that provide two or more skilled services, one of them skilled nursing.
- Medicaid in-home services: Agencies serving MO HealthNet clients sign a participation agreement with Missouri Medicaid Audit and Compliance (MMAC). MMAC conducts a site visit before awarding a contract, and your designated manager completes its certification course.
- Insurance on an MMAC contract: Occurrence-form general liability and professional liability of at least $1 million per event and $3 million aggregate each, with MMAC as certificate holder, plus an employee dishonesty bond.
- Workers compensation: Required for employers with five or more employees, counting part-time staff.
Coverage for Missouri Home Care Agencies
We build Missouri programs from the same core lines we recommend to home care agencies everywhere, tuned to how Missouri agencies operate:
Workers Compensation
Required once you have five employees, full-time or part-time. Priced on your own record, with free loss-control policies.
Learn moreProfessional & General Liability
Coverage for the care itself and for accidents in the home, written together. Medicaid contracts require $1 million per event for each.
Learn moreHired & Non-Owned Auto
Missouri's auto minimum is $25,000 per person. When a caregiver's limits run out, this protects the agency.
Learn moreClient Property Theft
Third-party theft coverage with mysterious disappearance, built for claims where nobody can prove who took what.
Learn moreAbuse Coverage
Defense and coverage for abuse and molestation allegations, including negligent hiring and supervision claims.
Learn moreEmployment Practices Liability
Discrimination, harassment, wrongful termination, client claims, and wage and hour defense.
Learn moreCyber Liability
Breach response, HIPAA defense, and Missouri's notice rules when client records are exposed.
Learn moreProperty Insurance
Office equipment, buildings you own, and extra expense to keep running after a fire.
Learn moreSurety Bonds
No surety bond is required to operate in Missouri. Agencies contracting with MMAC for Medicaid in-home services must carry an employee dishonesty bond. We write it as third-party theft of property coverage.
Why Missouri Agencies Work with Us
- We read the exclusions before you buy, including communicable disease and abuse sub-limits.
- We place the full MMAC insurance package, including the theft of property coverage for the dishonesty requirement, and send the certificates where they need to go.
- We provide free loss-control policies and procedures to help prevent and limit claims.
Frequently Asked Questions
Do I need a state license to open a non-medical home care agency in Missouri?
No, not for private-pay non-medical care. Missouri licenses home health agencies that provide skilled care, and issues no license for agencies offering only personal care, companion and homemaker services. If you plan to serve MO HealthNet clients, you will need a participation agreement with MMAC.
What insurance does a Missouri Medicaid in-home services contract require?
MMAC requires occurrence-form general liability and professional liability of at least $1 million per event and $3 million aggregate each, with MMAC named as certificate holder. You also need an employee dishonesty bond covering staff who work in clients' homes, which we write as third-party theft of property coverage.
When does my Missouri agency need workers comp?
Once you have five or more employees, and part-time caregivers count toward that number. Many agencies pass five sooner than they expect, so we recommend planning for it from the start.
Get a Missouri Home Care Insurance Quote
Get a Missouri quote: one form, and we’ll respond with real options, or call and talk through your operation with someone who knows home care.