Home Health Care Insurance in Illinois

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Home Health Aide quotes

Home Health Agency quotes

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 for home health you know how important it is for patients to be able to reside comfortably in their own homes. You are able to offer support to others but who is supporting you?  

BizInsure makes it easy for Illinois home health aides to get insurance that protects their small business. There are insurance options available for home-health aide agencies in every state, so no matter where you live or where you live, it doesn’t matter if you’re in Chicago or Aurora or Naperville.

Why should you become 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 2022 data from the Bureau of Labor Statistics, Illinois has over 100,000  home care aides and personal aides. In the next few years, this number will likely increase. The number of home health aides in the country will increase by 25% between 2021 and 2030. This is faster than the average growth rate for all occupations of 8%.

Illinois home health aides and personal caregivers earn an average annual salary in the range of $32,280 and $15.52 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 assistance aides in Chicago is $29,890 and $28,760 in Bloomington.

Why Illinois home care providers may need to consider insurance?    

Aides to home health provide support to the elderly, chronically ill as well as those who have disabilities. 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. Illinois home care insurance helps caregivers as well as home health aides to protect their finances.  

Did you know?

General Liability insurance* provides coverage for both actual and unfounded claims of third parties 

Illinois Home Healthcare Business Insurance  

Many types of insurance for businesses are available to help healthcare assistants at home 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 fix the situation (up to the policy limits). These protections apply to claims that have merit and ones that don’t. 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 

There is no requirement to prove a claim to your General Liability policy. It covers third-party claims without merit. Baseless claims can prove costly to resolve. A General Liability policy gives aids to home health and other agencies greater security when caring for patients. They also safeguard the financial assets of their clients.  

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 intent of an unintentional damage to the property of  
  • Your work may be contaminated by errors or omissions.  

Other types of events are not covered by your General Liability Insurance. 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 funds. Also, you are protected from third-party claims for professional negligence. Both meritless and true claims are covered by a policy. 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  

These types of liability claims are typically brought by clients who assert that your work has caused them an economic loss. Professional Liability insurance covers your business even if the claim is unfounded  

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  

Home health aides and organizations that provide home health care typically need more than one type insurance to protect their business from various risks. BizInsure also provides a Miscellaneous Legal Liability Package* which includes common coverages that home healthcare businesses will likely to look at. This includes General Liability and Professional Liability insurance. Cyber Liability* is also included to protect your company from data breaches, malware attacks, and other threats.  

Who may need home health 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.  
  • Home Health Aide Agencies – You can protect your small business as well as your employees with insurance for home health aide agencies.  
  • Other healthcare professionals – Business insurance could be beneficial to nurses, physical therapists, and caregivers.  

BizInsure can help Illinois home health aides and agencies obtain liability insurance. Start a quote to compare policies in minutes!  

How much does Illinois home healthcare insurance cost?

Costs for home care insurance in Illinois can vary based on who you are. 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 – Have you been properly trained for your job? Are you qualified to be employed in Illinois as a healthcare professional?
  • The city, town or county in which you work– care providers in cities, such as Dayton or Columbus, will possibly pay more than ones based in less populated areas.
  • History of past claims This could lead to higher insurance rates for the future.
  • The level of coverage you require – Higher premiums typically mean greater coverage. Some clients may need a minimum amount of coverage.

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.

Frequently Asked Questions (FAQs)

What are the risks that home healthcare providers face in Illinois?

Home health care providers in Illinois are highly qualified and offer excellent patient care. There are unique risks associated when working close to others at home. Insurance can help you to deal with the most common risks that you might encounter.  

  • General Liability InsuranceA patient falls, resulting in a visit to the emergency room. While visiting a patient’s home you slip and break an expensive vase. These are two examples of claims that General Liability Insurance can assist with as a home-health aide.  
  • Professional Liability insurance – The ability to provide Professional Liability insurance is a key factor in the lives of patients and their families. You may be accused of negligence if you commit a mistake in your care or fail to live up the expectations of the patient.  
  • Cyber Liability insurance – Certain sensitive patient data may be stored by home healthcare organizations. Cyber Liability insurance can be helpful if you are the victim of an information leak or other malicious attack.  

BizInsure can help home health care professionals and agencies 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 agencies hold a license to operate. There are five tiers of licenses available depending on the size of your agency and the home health services it provides.

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.

As with any insurance, coverage will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this guide is general only and should not be relied upon as advice. The number of quotes provided varies between products, occupations and other underwriting factors determined by the insurers. © Copyright 2023 BizInsure LLC, 2015 ALL RIGHTS RESERVED BizInsure LLC; CA DBA: Simple, Smart, BizInsure Insurance Agency LLC; NY DBA: BizInsure Services LLC; NH DBA: Simple, Smart, BizInsure Insurance Agency; PA DBA: BizInsure Services LLC. 2950 Buskirk Ave Suite 300, Walnut Creek CA 94597. License #0H81929
*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
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