Liability Insurance for Homecare Agencies
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Who We Cover?
BizInsure serves a wide range of industries, providing solutions and putting them to work for our clients to improve productivity and performance.
Professional + General Liability Package Policy
What’s Included?
Professional Liability (also known as Errors & Omissions) covers your business against claims of Professional Negligence, or Misrepresentation of Services.
In the event of an employee ignoring a customer or being negligent in their care duties, this type of insurance can help protect you against claims the client or their family may bring against your agency.
General Liability (commonly referred to as “Slip & Fall Coverage”) covers two important aspects of your homecare operations.
The two main coverages General Liability provides are Third Party Bodily Injury, and Third Party Property Damage.
The coverage for Third Party Bodily Injury refers to cover in the case a client or their family brings a suit against your business as a result of an injury that occurred while under the care of you, your agency, or your employees.
Coverage for Third Party Property Damage refers to coverage for claims of the client’s property being damaged during care.
(This does not include claims of theft, which typically would require a surety bond or fidelity bond.)
Unlike most General Liability policies, which exclude coverage for 1099 employees This Professional + General Liability Package Policy Includes Coverage for 1099s.
Because this Package Policy is written as a base Professional Liability Policy with General Liability added at no additional cost, 1099s actually are covered for Professional & General Liability as long as they are performing the same services as the selected classification (such as homecare / companion services)
Bizinsure allows 1099s to be included on the policy automatically.
Keep in mind 1099’s incurred claims will reduce your policy’s limits of liability.
To protect your limits, you can refer your 1099 to Bizinsure, and they can obtain a Package Professional + General Liability Policy as a Home Health Aide, Homecare Aide, or Companion.
Cyber Liability Insurance is included in this Package Policy at no additional cost. This essential coverage protects your business from the financial impact of data breaches, hacking incidents, and evolving cybersecurity threats up to the selected sublimit on the policy.
Sexual Abuse & Molestation (SAM) Coverage is included in this Package Policy at no additional cost. This specialized insurance provides critical protection for your organization against allegations of actual or threatened sexual misconduct, up to the selected sublimit on the policy.
Why so Many Small Businesses Choose Bizinsure
Customized
Policies customized for the specific risks you face.
Simple
Fast quotes, instant coverage, quick claims.
Optimized
Optimized to cover Homecare Agencies, no matter how small.
Frequently Asked Questions
Most State licensing boards require Professional Liability and General Liability insurance for a Homecare Agency application to pass.
Professional Liability is typically required at $1 Million per occurrence , $3 Million aggregate.
States also may require Fidelity Bonds to cover for theft, as well as Workers Compensation Coverage if you are hiring W-2 Employees.
Bizinsure’s Professional + General Liability Package Policy covers Professional and General Liability each at $1 Million / occurrence , $3 Million aggregate, meeting the Liability limit requirements.
Bizinsure offers a simple process that makes it easy to get your Certificate of Insurance (COI) online or over the phone instantly.
Within two minutes of purchasing your Professional and/or General Liability Insurance with Bizinsure for your Homecare business you will receive your Certificate of Insurance and Policy Documents via Email.
Bonded and Insured are similar, but different types of protection for your Homecare business.
Insured refers to coverage that applies to you/your Homecare business, such as Professional Liability, General Liability, Cyber Liability, Workers Compensation, and other Insurance products.
Bonded refers to a Bond, such as a Fidelity Bond, which covers the client.
This covers dishonest acts such as a claims of caregiver theft from a client’s home.
Unlike most General Liability policies, which exclude coverage for 1099 employees, the Professional + General Liability Package Policy Incudes coverage for 1099s.
1099s are covered under this policy as long as they are performing the same services the business is covered for, such as homecare or companion services.
Coverage only applies to work performed and billed by your business, any work performed by a 1099 not for your business will not be covered.
Medicare varies state to state, but typically Professional Liability (Malpractice Insurance) is Required at $1 Million per Occurrence $3 Million Aggregate.
Medicare may also require General Liability at $1 Million per Occurrence $2 Million Aggregate.
The Professional + General Liability Package Policy covers each at $1 Million per Occurrence $3 Million Aggregate.
To get a Certificate of Insurance (COI) for your Homecare business you have to complete an application for insurance either online or over the phone.
Once the application is complete you will receive a quote, if you choose to purchase the quote you will receive your Certificate of Insurance Immediately after payment.
With Bizinsure you are not required to sign any documents, everything is handled over the phone, Business Insurance Simplified.
Unlike most Insurers, Bizinsure covers Homecare Agencies no matter how small.
You can get a quote, policy, and Certificate of Insurance from Bizinsure with as little as 0 employees.
Get a quote from Bizinsure today, even if you haven’t formed your business yet, we can provide a ballpark quote for you online or over the phone, so when you’re ready you know what to expect!
