Idaho Home Health Care Insurance

What are the reasons you would consider becoming an Idaho home health aide?

Home health aides are in demand in just about every state, including Idaho. This is a great opportunity to start a career as a healthcare professional and have a positive effect on the patients of Idaho.

General Liability Insurance

General Liability Insurance safeguards businesses in the event of third-party injuries or property damage claims. Your policy covers legal fees and expenses to rectify the issue up to the limit of your policy. These protections can be applied to valid claims as well as invalid ones. General Liability insurance can be referred to as Commercial General Liability (CGL), “slip and falls” coverage.

What is usually covered?

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

• Injuries to a third-party
• Damage to a third party’s property

A claim doesn’t have to be true for the General Liability policy to protect you. It also protects third parties who file claims without merit. It is costly to resolve baseless claims. A General Liability policy provides aides to home health and other agencies with more peace of mind as they care for their patients knowing their financial security is protected.

What is not normally covered?

These kinds of events are not covered under your General Liability policy

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

Other events may not be covered by your General Liability insurance. You can find the details of your coverage in your policy documents.

Miscellaneous Medical Liability Package for Home Health Care Providers

Home health aides and home care agencies often require more than one kind of insurance to address different risks to their business. BizInsure’s Miscellaneous Insurance Liability Package* includes a variety of insurances home care companies might be interested in. The package offers Professional Liability and General Liability insurance. Cyber Liability* helps protect against data breaches, malicious software attacks, and other threats for your company.

Who may require insurance for home health care?

Idaho has many healthcare professionals that might require insurance for home care.

• Home Health Aides Subcontractors, independent contractors and sole proprietors might require insurance to protect them and their patients.
• Home Health Care Agents Secure your business and employees by insuring your home healthcare provider.
• Other Healthcare Professionals – Nurses, physical therapists and carers are some healthcare professionals that may also benefit from having insurance for business.

Agency and home health aides located in Idaho can find General Liability and other insurance policies through BizInsure. Start a quote to compare policies in minutes!

What is the price of Idaho’s home healthcare insurance?

The cost of home healthcare insurance in Idaho will vary from one person to another. Because every health care provider is unique the insurance premiums you pay will vary.

Some of the factors that are used to calculate insurance premiums may include the following:

• Are you a professional with the right education and qualifications to do your job? Do you have the right license to work as an Idaho healthcare provider?
• The city, town or county in which you work- Care providers located in cities, like Boise or Idaho Falls may be likely to pay more than ones based in areas that are less populated.
• History of past claims This could result in higher insurance premiums in the future.
• The coverage amount a higher level of coverage usually means higher premiums. Clients might require you to provide minimum coverage.

Are you interested in knowing how much business insurance will cost for you? Comparing quotes from multiple insurance companies can help you find a home healthcare insurance policy that is suitable for your company as well as your budget.