Alaska Home Health Care Insurance

Why become a home health care professional in Alaska?

In Alaska, home health aides are highly sought-after. This is a great opportunity to enter the healthcare field and improve the lives of Alaska patients.

General Liability Insurance

Also referred to as Commercial General Liability (CGL) or “slip and fall coverage”, this insurance can protect your business against bodily injury or property damage lawsuits from outside parties. The policy will cover legal expenses as well as the costs of resolving the issue (up to the limits of your policy).

This protection is offered for claims with merit as well as ones that are baseless.

What is typically covered?

General Liability insurance protects against the cost of lawsuits and claims as the result of:

• Injuries to third parties
• Damage to property owned by a third party

A General Liability policy will cover third party claims with no merit. It is expensive to settle claims that are not legitimate. Aides and home health agencies can be more confident knowing that their financial security is covered by a General Liability policy.

What isn’t typically covered?

The following situations are usually not covered under the General Liability insurance policy:

• Compensation claims for workers and personal workplace injury
• Damage to your personal property
• Damage to property caused by intentional acts
• Mistakes and omissions in your work

There is a chance that you won’t be protected for specific situations. You can find details of your coverage in the policy documents.

Miscellaneous Medical Liability Insurance for Home Health Care Providers

Home care providers, like home health aides, typically require multiple insurance types to protect against various risk. BizInsure offers a Miscellaneous Medical Liability package that includes the most popular insurance that home care providers typically require.

The package offers Professional Liability and General Liability insurance. It also includes Cyber Liability, which helps protect against security breaches, malware attacks, and other risks for your company.

Who is required to be covered by health insurance at home?

Alaska is home to numerous healthcare professionals who may require insurance for home care.

• Home Healthcare Aides – Subcontractors, individual contractors and sole proprietors may require insurance to safeguard themselves and their clients.
• Home Healthcare Agency – Protect your small business and your employees by obtaining insurance for home health agencies.
• Other Healthcare Professionals – There are a variety of healthcare professionals who could benefit from insurance such as physical therapists, nurses and caregivers.

BizInsure can assist Alaska agencies and home health aides locate General Liability insurance as well as other insurance coverage. Start a quote to compare policies in minutes!

What is the price of Alaska’s home health insurance?

The cost of Alaska home health insurance may differ between individuals and agencies. Since each health care provider is different, the insurance premiums they pay will differ too.

The factors used to calculate the cost of business insurance include:

• Educational and professional qualifications – Do you have the right training to perform the job? Do you have the right license to work as an Alaska health care provider?
• The city, county or town you work in – Health care providers located in cities with larger populations, such as Anchorage or Fairbanks, are likely to pay more than those located in smaller regions.
• Claims history – A history of claims from the past could result in higher insurance rates.
• The level of coverage you need – More expensive premiums are typically connected with greater coverage. Some clients may demand that you keep a minimum amount of coverage.

Are you interested in knowing what the cost of business insurance is? Comparing quotes from multiple insurance companies will help you determine the best home healthcare insurance plan for your company.