Delaware Home Health Care Insurance

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.

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.

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.