Delaware Home Health Care Insurance

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Home Health Aide quotes

Home Health Agency quotes

Delaware insurance for Home Health Aides and agencies

Home health aides offer high-quality care for their patients. You understand the importance and freedom of living in their own homes, whether you are working alone or with a team.

BizInsure is a great way for Delaware home health aides to get insurance that protects their small business. Insurance is available for home-based health care organizations anywhere in the country, no matter the location of your office.

Why should you consider becoming a home health aide in Delaware?

In Delaware the state, home health aids are in high demand. This is a great way to get into healthcare and improve the lives of patients in Delaware.

What is the reason insurance may be required for Delaware home care providers?

Aides to home health provide support to the elderly, chronically ill, and those with disabilities. Your services aide these patients to live safely and comfortably in their homes. Like any profession, there’s always the risk for things to go wrong, potentially leading to expensive litigation and claims for liability.

Accidents and incidents happen and lawsuits and claims can be expensive. These lawsuits can quickly cause financial devastation and even endanger your career. Insurance for home care in Delaware aides healthcare professionals in homes as well as home health agencies and other care providers protect their finances.

Did you Know?

General Liability insurance* protects against both real and unfounded claims by third party.

Delaware Home Healthcare Business Insurance

Home health aides, and other healthcare professionals, often examine different types of business insurance to safeguard themselves while they perform their job.

General Liability Insurance

General Liability insurance safeguards companies from third-party claims of injury and property damage. The policy will cover legal costs and the cost to fix the problem (up to the policy limits). These protections cover both meritorious claims and those without merit. General Liability insurance may also be called Commercial General Liability (CGL), “slip and falls” insurance.

What are the most common topics covered?

General Liability Insurance covers for lawsuits and claims arising from:

  • Third-party bodily injury
  • damage to a third party’s property

To ensure that you have a General Liability Policy to safeguard you, a claim doesn’t need to be proven. It also protects third party claims that have no merit. It can be expensive to settle claims that are not legitimate. Home health agencies and aides are more confident knowing that their finances are covered with an General Liability policy.

What isn’t typically included?

The following situations are not covered under your General Liability policy:

  • Workers’ compensation claims as well as personal workplace injuries
  • Damage to your own property
  • Intentional damage to the property of a third party
  • There are many mistakes and errors in your work

There may be other circumstances that aren’t covered by the General Liability insurance that are not included in this list. Complete details about coverage will be provided in your policy documents.

Professional Liability Insurance

Professional Liability insurance* covers you from any mistakes or omissions of your work that could result in financial losses for your customer. It also protects you against third-party claims of professional negligence. True and meritless claims are covered by a policy. The E&O insurance* also protects Professional Liability.

What is covered most often?

Professional Liability insurance covers legal expenses that may result from:

  • Professional services and advice may include mistakes, errors or omissions
  • Neglect accusations
  • Services not delivered or deadlines missed
  • Contracts breach

These kinds of claims are usually brought by clients who assert that your work resulted in financial losses for them. Insurance policies for Professional Liability provide coverage even if there is no basis for the claim.

What isn’t covered?

These incidents are not covered under Professional Liability insurance:

  • Injury to the third-party
  • The property belonging to a third-party may be damaged
  • Workers’ compensation claims, or personal workplace injuries

Refer to your policy formulation for more details about what is and is not covered by the Professional Liability insurance.

Miscellaneous Medical Insurance Package for Home Care Providers

Home health aides and home care organizations typically require more than one type of insurance to cover different risks to their businesses. BizInsure also offers an assortment of Legal Liability packages* which includes common coverages that healthcare providers in the home are likely to consider. The policy covers both Professional Liability as well as General Liability insurance. Cyber Liability* protects you from malware-related attacks, data breach, and other events that can harm your business.

Who may be eligible for home health care insurance

Delaware’s healthcare professionals might require home care insurance.

  • Home Health Aides – Independent contractors, subcontractors and sole proprietors might require insurance to protect them and their clients.
  • Home Healthcare Agencies – Protect your small business as well as your employees with insurance for home health aide agencies.
  • Other Health Professionals Physical therapy, and carers are just some healthcare professionals that may benefit from having business insurance.

BizInsure provides insurance coverage that covers Delaware’s home health aides and Delaware agencies. Start a quote to compare policies in minutes!

What is the cost of home healthcare insurance in Delaware?

Home care insurance costs in Delaware may vary depending on who you are. This is because each home health professional differs. Your insurance premiums will also be determined by your company’s unique structure.

Some of the factors used to calculate business insurance premiums could comprise:

  • Do you have the right qualifications and education – Have you been adequately trained for the job? Are you able to obtain the appropriate licenses to operate in Delaware as an Delaware health care provider?
  • The city, town or county that you live within. Health care providers located within cities such as Wilmington or Salisbury will likely be more expensive than those in areas with less population.
  • Your claim history An account of your previous claims may result in paying higher premiums for insurance in the future.
  • The amount of coverage you require- More coverage typically results in higher rates. Clients may require that you keep a minimum amount of coverage.

Are you interested in knowing how much business insurance costs? Comparing quotes from more than one insurer can help to locate a home health insurance policy that is suitable for your needs and budget.

Frequently Asked Questions (FAQs)

What are the risks for Delaware's home-care professionals?

Delaware home health care providers in Delaware are highly qualified and offer excellent customer care. But, it can be dangerous to work closely with people at their home. Insurance can help you to deal with the most frequent risks you could face.

  • General Liability insurance A patient slips and falls, requiring an ambulance room. In the course of your travels, you may smash or fall over a valuable vase when visiting the home of a patient. Two common cases that you may encounter when working as a medical assistant at home. General Liability insurance is available to help.
  • The capacity to provide Professional Liability insurance is a key factor for patients and their families. A negligence lawsuit could be brought against you, or other Professional Liability claims could be filed if you commit a mistake or fail to satisfy their expectations.
  • Cyber Liability insurance- Home healthcare agencies can store sensitive patient data. If you suffer an incident of data loss or criminal attack Cyber Liability insurance can help you repair the damage done you business.

BizInsure will help organizations and home health aides find business insurance that addresses the specific risks you face every day.

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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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