Delaware Home Health Care Insurance

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Home Health Aide quotes

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Business insurance for Home Health Aides and agencies in Delaware

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.

The Bureau of Labor Statistics released data for 2021, which shows there are approximately 8,270 personal and home care aides in Delaware. Over the next few decades, this number may increase. Between 2021 and 2031, the country’s total number of home health aides is expected to increase by 25%. This is more than the average growth rate of all occupations in 8%.

The average salary for Delaware’s home health aides or personal caregivers is $26,660 annually or $12.82 per hour. The average salary for personal and home care aides in Philadelphia-Camden-Wilmington is $28,910 and $25,910 in Dover.

What do home care providers need insurance in Delware?

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 is typically 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 typically covered?

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 commonly 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 needs home health care insurance in Delaware?

Healthcare professionals in Delaware 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 home health aides and agencies Delaware. Start a quote to compare policies in minutes!

How much does healthcare insurance cost 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 could impact business insurance premiums :

  • 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?
  • Location – 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 multiple carriers can help to find a home health insurance policy suitable for your needs and budget.

Frequently Asked Questions (FAQs)

What are the risks for home care professionals in 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.
  • Professional Liability insurance – 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 can help home health aides and agencies find business insurance that addresses the specific risks you face every day.

What are the home healthcare aide license requirements in Delaware?

In Delaware, home health care aides are typically referred to as Certified Nursing Assistants (CNAs). To become a CNA in Delaware, you will need to follow these general steps:

  1. Complete an approved training program: Enroll in a state-approved CNA training program in Delaware. These programs are offered by vocational schools, community colleges, and healthcare facilities. The program typically consists of classroom instruction and supervised clinical experience.
  2. Submit an application: After completing the training program, you need to submit an application for CNA certification to the Delaware Division of Long Term Care Residents Protection (DLTCRP). The application will require you to provide personal information and documentation, including proof of completing the training program.
  3. Pass the competency exam: Upon approval of your application, you will need to pass a competency exam to demonstrate your knowledge and skills as a CNA. The exam is administered by the DLTCRP and includes both written and practical components. Successful completion of the exam is required to obtain certification.
  4. Criminal background check: As part of the application process, you will need to undergo a criminal background check. Certain criminal convictions may disqualify you from obtaining CNA certification in Delaware.
  5. Certification and placement on the Nurse Aide Registry: If you pass the competency exam and meet all the requirements, you will be granted CNA certification by the DLTCRP. Your name will then be placed on the Delaware Nurse Aide Registry, which verifies your status as a certified home health care aide in the state.

It’s important to note that Delaware may have additional requirements or variations in the process, so it’s recommended to contact the Delaware Division of Long Term Care Residents Protection or visit their website for the most accurate and up-to-date information regarding the specific requirements and application process for home health care aide licensing in Delaware.

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.
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