Home Health Aide Insurance in Illinois
- Combined General Liability & Professional Liability policy
- Quick quotes in minutes & immediate coverage
- Variety of cover options to match your needs
Insurance for Home Health Aides in Illinois
Home health aides provide a high quality of care to their patients. Whether you work on your own or as part of an agency, you know how important it is for patients to be able to reside comfortably in their own homes.
BizInsure makes it easy for Illinois home health aides to get insurance that is suited to their profession and protects their livelihoods. Get customized insurance solutions for Illinois home health aides from Chicago to Aurora and Naperville to Springfield
Becoming a home health aide in Illinois
In the state of Illinois, home health aides are highly sought-after. If you’re interested in a career in health care, this is an excellent way to get into the field and make a positive impact on patients across the Buckeye State.
According to 2023 data from the , Illinois has over 106,700 home care aides and personal aides. The number of home health aides in the country is expected to increase by 21% by 2033.
Illinois home health aides and personal caregivers earn an average annual salary of $35,270 or $16.96 an hour. Home health aides in Illinois may make more in larger cities than in rural areas or smaller metropolitan areas. The average annual salary for home health and personal care aides in Chicago is $35,530 and $30,150 in Bloomington.
Why do home health aides need insurance in Illinois?
Home health aides provide support to the elderly, chronically ill and individuals withdisabilities. These patients can live in safety and comfort in their own homes by the services you offer. It could also cause you to be liable for costly legal claims, or lawsuits.
Accidents do occur and if you’re held accountable, you could be required to pay the victim or their family. Claims and lawsuits are costly and can quickly destroy your finances and even ruin your career. Home care insurance helps home health aides and caregivers protect their finances and reputations.
Illinois Home Health Aide Insurance Options
Many types of insurance for businesses are available to help healthcare assistants or other health professionals while they work.
General Liability Insurance
General Liability insurance protects businesses in case of third-party injury or property damage claims. Your policy covers legal expenses and the cost to rectify the situation (up to the policy limits). General Liability insurance can also be sold as Commercial General Liability (CGL) or “slip and fall” coverage.
What is usually covered?
General Liability insurance protects against lawsuits and claims that are the result of:
- Infliction on the body health of a third party
- Third party- damage
What’s not typically covered?
The following events are not covered by the General Liability insurance policy
- Personal injuries at work and claims for workers’ compensation
- You could cause damage to your property
- Damage to property caused by unintentional damage to the property of
- Your work may be contaminated by errors or omissions.
Your policy documents will provide full details about the coverage that is and is not included.
Professional Liability Insurance
Professional Liability insurance* protects you from omissions or mistakes in your work that cause the client to lose money. These policies also cover professional negligence claims and meritless allegations. Professional Liability insurance may be sold under the name of E&O (E&O) insurance*.
What is typically covered?
Professional Liability insurance protects against legal costs, including settlements and judgements which can arise from:
- Expert services and advice could include errors, mistakes or mistakes
- Neglect accusations
- Undelivered services or missed deadlines
- Contracts that are breached
What is not typically included?
The types of events that are not included in Professional Liability insurance include:
- Infliction to the bodily health of a third party
- Property belonging to a third-party could be damaged
- Workers’ compensation claims, or personal workplace injuries
For more details on Professional Liability coverage Please refer to the policy wording.
Miscellaneous Medical Insurance for Home Care Providers
BizInsure offers a Miscellaneous Legal Liability Package* which includes essential coverages for home healthcare providers, such as General Liability, Professional Liability and Cyber Liability* insurance (which covers data breaches, malware attacks and other threats).
Who needs HHA liability insurance in Illinois?
There are many health professionals who may require home care insurance in Illinois:
- Home Health Aides – Subcontractors, independent contractors or sole proprietors may have to cover their employees and patients.
- Other healthcare professionals – Cover for nurses, physical therapists, and caregivers.
BizInsure can help Illinois home health aides obtain liability insurance. Start a quote to compare policies in minutes!
How much does home health aide insurance cost in Illinois?
Costs for home health aide insurance in Illinois can vary. This is due to the fact that every home health aide is different. Your insurance premiums will be determined by your company’s unique structure.
Here are a few variables that you can use to calculate your business insurance premiums:
- Qualifications and educational background
- The city, town or county in which you work
- History of past claims
- The level of coverage you require
How much does business insurance cost? Comparing quotes from a multiple insurance companies can help you find a home healthcare insurance policy that suits both your business as well as your budget.
How much does home health aide insurance cost in Illinois?
Home health aide risks in Illinois
There are unique risks associated with working closely with others in their homes. Insurance can help you to deal with the most common risks that you might encounter.
- General Liability Insurance – Covers events like patient slips and falls or property damage claims.
- Professional Liability insurance – Covers things such as allegations of mistake or negligence in patient care.
- Cyber Liability insurance – Covers cyberattacks and data breaches.
BizInsure can help home health care professionals find the right business insurance to meet their unique requirements
Frequently Asked Questions (FAQs)
What are the risks that home healthcare providers face in Illinois?
Home health aide risks in Illinois
There are unique risks associated with working closely with others in their homes. Insurance can help you to deal with the most common risks that you might encounter.
- General Liability Insurance – Covers events like patient slips and falls or property damage claims.
- Professional Liability insurance – Covers things such as allegations of mistake or negligence in patient care.
- Cyber Liability insurance – Covers cyberattacks and data breaches.
BizInsure can help home health care professionals find the right business insurance to meet their unique requirements.
What are the home health care license requirements in Illinois?
The Illinois Department of Public Health requires that home health aides hold a license to operate. Check the Department of Public Health website for current licensing requirements.
How do I get a home health license in Illinois?
When applying for a home health license in Illinois, carefully review the Home Health, Home Services and Home Nursing Agency Code Adm. Code 245 determines the license that will best match the home health services that your business will offer. It may take up to 60 days for your application to be reviewed. You will then be contacted by the Department of Public Health for next steps.
Source: https://www.ilga.gov/commission/jcar/admincode/077/07700245sections.html
Learn more about home health care insurance in the states where you work.
*This information is a general guide only and does not take into account your objectives, financial situation or needs. Always check with your local licensing board when getting or renewing your home health license to ensure you are meeting their current licensing requirements
