Hawaii Home Health Care Insurance

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.

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.

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.