Most home health agencies start with general liability and workers’ compensation if they have employees. Many also add a Business Owner’s Policy for office property and a more complete package. Depending on your services and contracts, you may also need professional liability, hired and non owned auto coverage for caregivers who drive their own vehicles, and cyber coverage if you store or transmit patient information electronically. The right answer depends on how your agency operates day to day, not just what you call yourself.