Hawaii Home Health Care Insurance

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Home Health Aide quotes

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Hawaii insurance for home health aides and agencies

Home health aides offer the highest quality of care to their patients. You understand the importance of people living at home, whether you are working alone or with a team.

BizInsure makes getting insurance that will protect home health aides in Hawaii simple. No matter where in the state you’re in from Honolulu to Kauai insurance for home health aide agencies is within reach.

Why become a home health aide in Hawaii?

In Hawaii, home health aides are in high demand. This could be a great way for you to begin your profession in the field of healthcare and have an impact on the people throughout the Buckeye State.

Why Hawaii home care providers may need to consider insurance?

Home health aides provide assistance for those who are elderly, chronically sick as well as those who have disabilities. Your services help patients to live safely and comfortably at their homes. The reality is, you could be sued or subject to expensive liability when things don’t go to plan.

Accidents can happen and you might have to pay the victim or their family members. It is expensive to file a lawsuit or a claim. This could quickly impact your finances and potentially ruin your career. Hawaii home care insurance helps caregivers and home health aides to protect their finances.

Did you Know?

General Liability insurance* offers coverage against claims that are not substantiated as well as real ones.

Hawaii Home Healthcare Business Insurance

Home health aides, and other healthcare professionals, often look into various kinds of insurance for businesses to protect themselves as they work.

General Liability Insurance

General Liability Insurance protects businesses in case of third-party injuries or claims for property damage. The policy will cover legal expenses and the cost of resolving the issue (up to the limits of your policy). This protection is offered for claims that have merit and ones that are not meritorious. General Liability insurance may also be called Commercial General Liability (CGL), “slip and falls” coverage.

What topics are covered the most frequently?

General Liability insurance covers lawsuits and claims that are a result of:

  • Third-party bodily injury
  • Third-party property damage

It also covers third party claims that are without merit. These claims can be difficult to resolve. Home health agencies and aides can feel more secure knowing their finances are covered with a General Liability policy.

What’s not typically covered?

These events will not be covered by your General Liability insurance policy.

  • Personal workplace injuries, workers’ compensation claims
  • Property damage
  • Intentional damage to property of third parties
  • Your work may be contaminated by errors or omissions.

There could be additional events that are not covered by the General Liability insurance, which aren’t listed here. The policy documents will provide you complete information about what coverage is available.

Professional Liability Insurance

Professional Liability insurance* protects you from any mistakes or omissions made by you in your work that could cause your client to lose money. Also, you are protected from third-party claims for professional negligence. It covers legitimate as well as valid claims. The E&O insurance* also covers Professional Liability.

What is typically covered?

Professional Liability insurance covers legal expenses (including judgments and settlements) that could result from:

  • When you receive professional advice or services There could be mistakes or mistakes, as well as mistakes
  • Negligence claims
  • Service not provided or missed deadlines
  • Breaches of contract

Clients typically bring these kinds of lawsuits against you claiming that your work resulted in financial loss. Professional Liability insurance covers you even if a claim is unfounded.

What isn’t usually covered?

These incidents are not covered by Professional Liability insurance:

  • Infliction to the bodily integrity of an uninvolved third party
  • Property damage to third parties
  • Workers’ compensation claims or personal workplace accidents

Check the policy’s wording to find out more about Professional Liability insurance.

Miscellaneous Medical Liability Packet for Home Health Care Providers

Home health aides and other organizations that provide home health care typically need more than one type insurance to protect their business from different risks. BizInsure also provides an assortment of Legal Liability* packages which includes common coverages that home healthcare businesses will likely to look at. This policy includes the Professional Liability as well as General Liability insurance. Cyber Liability* protects you from malware-related attacks, data breaches, and other events that can harm your business.

Who might be covered by insurance for home care?

Hawaii’s healthcare professionals may require home health insurance.

  • Home Healthcare Aides Subcontractors, individual contractors and sole proprietors may need insurance to protect themselves and their patients.
  • Home Health Care Agents Secure your business and employees by insuring your home healthcare agency.
  • Other Healthcare Professionals – Nurses, physical therapy, and carers are just some of the healthcare professionals who might benefit from having insurance for business.

Home health aides and agencies located in Hawaii can get General Liability and other insurance coverage with BizInsure. Start a quote to compare policies in minutes!

How much does Hawaii home health insurance cost?

The price of home healthcare insurance in Hawaii will differ between one individual to another. This is because every home healthcare professional is different and can affect the premiums you pay for insurance.

Some factors that are used to calculate premiums for business insurance include:

  • What is your educational and professional qualifications Do you have the right training to do the job? Are you able to obtain the appropriate authorizations to work in Hawaii as an Hawaii healthcare provider?
  • The county, city or town you live in. Health care providers located in cities with larger populations like Honolulu or Kauai may charge more than those based in smaller regions.
  • Past claims history This could lead to higher insurance rates for the future.
  • The level of coverage you require. A higher level of coverage typically means higher premiums. Clients may require that you maintain minimum coverage.

How much does business insurance cost? Comparison of quotations from more than one insurer will help you locate home healthcare business insurance that is suitable for your company as well as your budget.

Frequently Asked Questions (FAQs)

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

Home health care providers in Hawaii provide high-quality care to patients. There are particular risks that come with working in close proximity to others at home. Luckily, insurance can help you manage many of the most common risks you may encounter.

  • When the patient falls or slips, they need to be taken to the emergency department. In the course of your travels, you may smash or fall over a valuable vase while visiting a patient’s residence. These are two possible claim examples that you might encounter as a health care professional at home that General Liability insurance can assist with.
  • The capacity to offer insurance for Professional Liability is an essential factor in the lives of patients and their families. You could be sued for negligence if you make mistakes in your care, or if you fail to live up the expectations of the patient.
  • Cyber Liability insurance Home healthcare providers may store sensitive patient information. If you suffer a data breach or other malicious attack,

Cyber Liability insurance can assist you in repairing the harm to your business.
BizInsure is a site that helps home health agencies and aides find business insurance to cover the risks that they encounter 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 ...
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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.
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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.
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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.
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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.
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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
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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.
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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!!
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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.
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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!
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22:12 23 Jun 17

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