Alaska Home Health Care Insurance

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Home Health Aide quotes

Home Health Agency quotes

Alaska Insurance Agency, Home Health Aide

Home health aides offer top-quality healthcare to their patients. As a solo carer or part of a home health agency, you understand the importance of people living at home while they manage chronic conditions or recover. You provide essential care to other people however, who is supporting you?

BizInsure is a great way for Alaska Home Health Aides to obtain insurance that will protect their small businesses. Home health insurance for aide agencies is available regardless of you location in Alaska—from Anchorage to Fairbanks.

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.

Why do Alaskan home health providers consider insurance?

Home health aides can assist those who are disabled, elderly or chronically ill. Patients can stay comfortably and in safety of theirs home due to the assistance you provide. However, you may be sued or face expensive legal liability due to these unique working conditions.

Accidents are bound to happen, and you may have to pay the victim or their family members if they do. These lawsuits and claims can be expensive. The lawsuits that result from healthcare claims can take your money and even threaten your job. Alaska home care insurance assists caregivers as well as home health aides by safeguarding their financial security.

Did you Know?

General Liability insurance protects against real and unfounded claims made by third parties against your business or employees.

Alaska Home Healthcare Business Insurance

Many kinds of insurance for businesses can be used to assist home health aides and other health professionals while they perform their duties.

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.

Professional Liability Insurance

Also known as Errors and Omissions (E&O) insurance, this type of policy protects your business against claims of negligence, misrepresentations, or mistakes. Professional Liability claims are typically made by clients who allege some form of financial damage as a result of your services, products or employees.

What is typically covered?

Professional Liability insurance covers legal costs that could result from:

  • Mistakes in your professional advice or services
  • Allegations of negligence
  • Services not provided or due dates missed
  • Contract breaches

Clients typically bring these kinds of lawsuits against you, claiming that your work led to financial losses. Even if the claim is bogus Professional Liability insurance policies can provide protection.

What isn’t typically covered?

These incidents generally are not covered by Professional Liability Insurance:

  • Injuries to third parties
  • Damage to the property belonging to a third-party
  • Compensation claims for workers, or personal workplace injuries

Check your policy documents for more details on what your Professional Liability insurance covers.

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.

Frequently Asked Questions (FAQs)

What are the potential dangers for Alaska's home health providers?

Alaska’s home health providers offer exceptional care for their patients. Being in close contact with others at their homes could create risk. Insurance is a great way to deal with the most frequent dangers you could encounter.

  • General Liability insurance – Accidentally you fall and damage a vase inside the home of the patient. General Liability Insurance may be able to assist home health aides with claims like this.
  • Professional Liability insurance – The families of patients rely on your expertise and skills. You may be accused of negligence if you commit a mistake during your care or if you do not meet the expectations of the patient.
  • Cyber Liability insurance – Certain sensitive patient data could be kept by home healthcare organizations. Cyber Liability insurance is available to assist you in recovering from data breaches or malicious attack, as well as any other harm to your company.

BizInsure is a site that assists home health care agencies and aides in finding commercial insurance that covers the risks that they encounter every day.

© 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

BizInsure has really come through for me on some really hard to place risks. Andrew takes the time to understand the risk and work through how we can make it work, rather than looking for ways to say no. Thank you for your help!
Carlos T.
18:06 16 Mar 23
Very helpful and explanatory on the policy line of the policy
Josua V.
17:30 14 Mar 23
Worked with Tevin. Amazing customer service. Was very patient with me in figuring out the best insurance coverage for business. Thanks Tevin for making it easy.
Faisal O.
16:23 14 Mar 23
No complaints, Always a fast response when a need arises.
Dan F.
13:56 10 Mar 23
Very good information patience was shown. Much help from Kaled, satisfied with the amount of insurance and good coverage. Affordable is what you need with starting a small business until you grow. Old saying is go as you grow.
Jacquelynn W.
21:53 20 Jan 23
Professionals at what they do! easy to navigate and very good people to lead to to the best coverage!
Magnifier 2.
20:37 17 Jan 23
I have been shopping for business liability insurance for several months. I am happy to share that BizInsure ranked #1! The representatives were polite, patient, and empathetic. They accomplished what most companies struggle with achieving: they did what they said they were going to do, they were on time, and they had empathy. They delivered a policy for 25% less than the closest competetor, and even included $50k of cyber security at no additional cost! I only write reviews when I receive exceptional experiences- highly revommended; keep up the great service BizInsure!P.S. I own a professional referral service in Hawai'i and I am going to see if BizInsure offers an affiliate program.Aloha!
John S.
05:51 23 Nov 22
They respond quickly and give you quotes immediately ...
Regean K.
23:55 09 Nov 22
The agent that I spoke to was very experienced and could tell that I was new at this and was very understanding and took the time to explain everything to me.
lotanga J.
00:04 15 Oct 22
Easy to work with and very responsive. Glad to have them as my broker.
Edward G.
18:54 13 Sep 22
We’re very happy with BiInsured LLC. VERY AFFORDABLE
Paul A. F.
19:20 11 Sep 22
Jasmine Q was on the spot professional, she knew where to direct me and explain to me my concerns and request; she delivered my personal information within minutes of me asking policy questions.That young lady is a true ROCK STAT!!!
Shaka 3 Z.
23:09 15 Aug 22
For a small non-profit, the package I was given was affordable. The representative was polite, patient, understanding, and knowledgeable.
Gertrude R.
18:06 15 Aug 22
Asked for a specific venue to be place on our certificate of insurance and it was done within one business day. Yay! Bizinsure!
Melinda S.
17:02 01 Aug 22
The process was fast and easy and the professional staff was very knowledgeable with any questions that I had and ready to help
06:40 31 Mar 22
Friendly agents. Timely replies. Fair pricing. This is a good fit for my business! Thank you, Noah, for all your help.
Beth Anne V.
19:27 28 Mar 22
They are awesome
Tony H.
00:41 07 Jan 22
Noa made sure I had all the information I needed for a first time business owner . He helped me understand what I needed to secure a quality policy and he was super helpful when explaining how the policy would serve its purpose to my company. I was very satisfied and had an Awesome experience, I think people like that make the company look good!
Wayleen O.
04:36 15 Oct 21
I was in need of WC, GL and PL coverages for my business and was able to shop, discuss, confirm and purchase all the coverages in two days! This was a great experience, especially when "Time is Money". Noah Bowman was very professional and knowledgeable. Thanks!
AmeriCreed 1.
15:42 23 Sep 21
19:49 09 Sep 21
Their representative clearly explained different kinds of policies to help me select the one appropriate for my needs and then helped me enroll by phone painlessly. By the end of the call, I had a policy in place.
Dissent D.
22:21 02 Sep 21
Eugene was Awesome!!!!
Lakesha G
17:19 21 Jul 21
Excellent solution for writers and authors professional liability policy as well as coverage for copyright and trademark infringement. Service was prompt and excellent.
18:22 22 Jun 21
Done in less than an hour!
William O.
00:30 02 Jun 21
Efficient, and great value. The agent was able to give us a quote and a new policy in a short period of time. Thank you
Brenda J.
20:30 24 May 21
I had a great experiencing obtaining several of my insurance needs as a landscaping company here in Northern Colorado. BizInsure's team took care of my needs and was very responsive to help with paperwork needed to secure a potential client account!
Arik S.
16:34 10 May 21
Very efficient they were able to help me out with my request promptly....highly recommend this companyI am very happy to have them
Elba P.
18:50 26 Apr 21
I need a help getting errors and omissions insurance along with general liability. Jose was very friendly informative and was very patient with me during the process. He found me some of the best rates for the coverage that I needed. Highly recommend
Casper M.
19:51 20 Apr 21
I had numerous conversations with several business insurance agents over a month's time. I also had several conversations confirming the policy inclusion/exclusions and asked many questions. My BizInsure agent was professional, knowledgeable and most important—detail oriented. Even after having an initial conversation a month earlier he knew and *remembered* all my personal/professional insurance needs. When I asked for additional information on the third call he was able to provide me with details very quickly. He was also VERY patient. That is a big plus in my opinion. It illustrated a high level of respect for my needs. I also found when I called back and asked to talk with the initial agent, the person who answered the call was able to get in contact quickly and my agent responded and returned the call within 5-10 minutes. The transaction was smooth, and I think it's a good sign should I ever need to make a claim. I highly recommend BizInsure.
Poetic F.
21:00 07 Apr 21
The rep was extremely helpful actually lowered my quote and made sure I was covered to fit my needs with my growing business! 5star!!
Franklin B.
19:04 16 Mar 21
Excellent service and prices.
Cassiopée V L.
23:13 09 Mar 21
Mr. Daniel Scott was very responsive to my professional needs.
Stephanie W.
17:38 18 Feb 21
Eugene deserves a raise! First time purchasing insurance and he made the process so simple for me. His patience and attention to detail left me feeling confident in my decision to choose BizInsure. Gracias Eugene!
Esined P.
23:32 17 Feb 21
The customer service provided by Jose was outstanding. He explained everything in a very clear/logical way and answered all of my questions. After providing all the information to obtain general liability insurance, Jose sent me the declaration page of the insurance for review. All of the information matched what I provided over the phone and there were no typos. The next day I called back to purchase the insurance which was easy and fast. Overall, my experience with BizInsure including the customer service by Jose exceeded my expectations.
Joe W.
03:29 12 Dec 20
Hiscox/BizInsure made getting Liability Insurance very easy and reasonable.I expected it to be a long and complicated process and it was a nice surprise that they made it so uncomplicated. Thank you. Lisa
Lisa W.
21:51 24 Nov 20
Eugene was incredible. I called 4 other brokers before him who were impossible to get any help.
rhonda H.
23:26 12 Nov 20
Very quick to get in touch with you and good with follow up. Had some trouble retrieving my quote to log into my account initially but Daniel assisted me and the changes were made to get me into my account. Great value for the money.
Fran S.
16:34 20 Sep 20
Very happy to be insured with this company. Professional, Timely, very helpful. Thank you Juan, you made it so much easier for me to understand.
Aileen D.
19:55 15 Sep 20
This company responded when I needed them to respond while facing a deadline. They are an excellent choice for business Insurance.
Michele H.
01:52 12 Sep 20
Jose Quintero took such great care of me and was very patient explained everything I did not understand and got me set up quickly. Fabulous customer service
Christina R.
02:41 27 Aug 20
I can't say enough good things about Daniel Santos kind and effective communication skills as an insurance agent. Daniel was so pleasant, friendly and efficient with helping me obtain insurance as a teacher. If I were to give Daniel a grade, he has earned an At . He made the process easy to understand, it was far easier than what I anticipated. Nancy S.
Nancy S.
00:47 26 Aug 20
I was in need of professional liability insurance for my sole proprietorship. A friend referred me. Everythng was quick and simple and AFFORDABLE!
hope J.
20:31 25 Aug 20
If you need Private Home Care Provider insurance for your company, BizInsure, LLC can get it for you!
Pamela C.
16:45 24 Aug 20
Great and fast service!!!! The representative was very professional!!!!
Tanya S.
19:51 14 Jul 20
I was tryi9ng to find commercial liability insurance for my new comp-any and BizInsure was easy to use and very affordable which is great for me as a new business.
Jimmy S.
19:01 14 Jul 20
Great service insurance prices are great for professionals looking to get insurance for businesses....
Rhonda G.
22:34 22 Jun 20
The provided very professional service and made the process easy.
Paul R.
21:51 04 Jun 20
Bradley Hoyle from the Biz Insure team was excellent to work with. Everything was quick and smooth. Great service, much appreciated!
Kristene S.
02:03 04 Jun 20
Anthony Spencer was great!! Very quick response time!! He was very Professional! I would suggest him because he helped me find a affordable rate and explained all the technicalities..
Fre H.
16:38 28 May 20
I was referred to Bizinsure by a industry trade group that I am a member of. It was easy to get a quote online and then received excellent customer service from Bradley H. to complete my policy purchase over the phone. I have shared this company information now with other business owners for their policy needs.
Dawn T.
22:11 08 May 20
This company was very precise with explaining services and made sure I chose the right business insurance coverage, great customer service at purchasing.
Nekeisha B.
01:30 05 May 20
Jasmine Q
14:31 02 Dec 19
Trish is the most patient, professional and understanding insurance agent I’ve ever worked with. Trish has taken care of all my business insurance needs for the last couple years. I am really happy that I found an insurance agent that I know will take care of me & all of my concerns. I feel like a valued customer & I appreciate the great customer service that I get every time!!THANK YOU!
Dr. Youssef C. A.
17:21 14 Nov 18
Tricia helped me get insurance for my business. The task of obtaining a quote was really starting to frustrate me until I was referred to BizInsure through a different agency. Tricia got me a quote fast, and even took a down payment over the phone and issued the proof of insurance the same day. a+ service, would do it again in a heartbeat!! Thank you!!
Josh M.
18:07 22 Jun 18
BizInsure was a great find! I did not have to fill out applications, and Tricia was able to quote and bind business insurance for me within half an hour.
Allison Y.
17:28 21 Jun 18
Started doing business again and needed a policy fast. Ramez was reasonable, helpful and the rates are OK. Buyer beware? Sure, for me it turned out OK this time. Worth a call.
Mark W.
23:42 13 Nov 17
Great customer service. I've been very inpressed with my dedicated representative that had helped me navegate my insurence needs. Thanks so much!
Graham B.
22:12 23 Jun 17

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