Maryland Home Health Care Insurance

Why become a Home Health Aide in Maryland?

Home Health Aides are in demand in just about every state and even in Maryland. If you’re looking to pursue working in the field of healthcare, this could be a great way to enter the field and have a positive impact on patients throughout the state.

General Liability Insurance

General Liability insurance protects businesses from claims by third parties for injuries or property damage. Your policy covers legal fees and expenses to rectify the issue in the amount of the policy limit. These protections are available for both claims that have merit and ones that are not true. General Liability insurance may be purchased as Commercial General Liability, CGL, or “slip and fall” coverage.

What topics are covered the most frequently?

General Liability insurance protects against the cost of lawsuits and claims as the result of:

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

A claim does not need to be proven true to be covered under a General Liability policy. This is important because baseless claims can still be expensive to settle. Home Health Aides can feel more secure knowing their finances are covered with a General Liability policy.

What isn’t covered?

The following events are not covered under your General Liability policy

• Compensation claims for workers and personal workplace injuries
• Your property that is damaged
• Intentional damage to property of third parties
• Mistakes or errors in your work

Other events may not be covered under General Liability insurance. The policy documents will provide you with complete information about the coverage available.

Miscellaneous Medical Liability Package For Home Health Care Providers

Home health Aides and organizations that provide home health care typically need more than one kind of insurance to protect their business from various dangers. BizInsure also offers a Miscellaneous Medical Liability Package which covers the most common insurance products home healthcare businesses are likely to consider. This includes General Liability and Professional Liability insurance. Cyber Liability insurance is also included to safeguard your business from data breaches, malware attacks, and other threats.

Who needs home health care insurance?

Maryland is the home of many healthcare professionals.

• Home Health Aides – Subcontractors, independent contractors and sole proprietors may need insurance to safeguard themselves and their clients.
• Home Healthcare Agencies – Protect your small business and your employees with insurance for home health aide agencies.
• Other healthcare professionals – Business insurance may be beneficial to nurses, physical therapists and caregivers.

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

How much does home healthcare insurance cost in Maryland?

The cost of home healthcare insurance in Maryland will differ between one individual to another. Since each health care provider is unique, the insurance premiums you may pay will vary.

The factors used to calculate premiums for business insurance are:

• What are your educational and professional qualifications? Are you well-trained to do the job? Are you qualified to be employed in Maryland as a healthcare provider?
• The city, town or county that you live within – Healthcare providers based in cities like Baltimore or Hagerstown are likely to charge more than those located in less populous areas.
• Your claim history – A record of past claims could mean paying higher insurance premiums in the future.
• The coverage you need – Higher premiums are usually connected with greater coverage. Customers may require you to provide the minimum amount of coverage.

Are you interested in knowing what the cost of business insurance is? Comparing quotes from more than one insurance provider can help you locate a home health insurance policy that suits you and your budget.