Maryland Home Health Care Insurance

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Home Health Aide quotes

Home Health Agency quotes

Insurance for Home Health Aides and Agencies in Maryland

Home Health Aides and Agencies provide the highest quality of care to their patients. It doesn’t matter if you are as a team or on your own, you know how important it can be for patients to live in their own home. The support you give to other people is crucial however, who is supporting you?

BizInsure is a great way for Maryland Home Health Aides to get insurance that protects their small business. Insurance for Home Health Aide Agencies is available regardless of where you are located in Maryland and from Baltimore to Hagerstown.

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.

Why do home health care providers in Maryland need insurance?

Home Health Aides assist the elderly, the disabled, and those who are chronically sick. Patients can stay comfortably and in safety in their own homes thanks to the assistance you provide. This can lead to costly lawsuits or liability claims.

Accidents do happen. You may have to cover medical expenses for a patient or their family members. The process of settling lawsuits and claims can often be costly. This could cause financial problems and could even spell the end to your professional career. BizInsure provides home care insurance to assist Home Health Aides, healthcare agencies, and other healthcare providers safeguard their financial security.

Did you Know?

General Liability insurance provides coverage for both actual and unfounded claims of third parties.

Home Healthcare Business Insurance in Marylands

Many types of business insurance are available to help Home Health Aides or other health professionals while they perform their duties.

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.

Professional Liability Insurance

Professional Liability insurance covers errors or omissions that cause the loss of money to your customer. It also shields you from third-party claims for professional negligence. The policy covers both meritless and true claims. E&O insurance also covers Professional Liability claims.

What are the most common types of coverage?

Professional Liability insurance pays for legal costs that could result from:

  • Errors, mistakes or omissions in your professional services or advice
  • Allegations of negligence
  • Services not provided or deadlines missed
  • Contracts breached

These kinds of claims are usually filed by customers who claim that your actions have caused them a financial loss. Even if the claim is baseless, Professional Liability insurance policies will provide coverage.

What isn’t normally covered?

Certain events are not covered by professional Liability insurance.

  • Third-party bodily injury
  • The damaged property of a third party
  • Personal workplace injuries or workers’ compensation claims

Refer to your policy text for more details on what Professional Liability insurance covers.

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.

Frequently Asked Questions (FAQs)

What are the potential risks for Maryland's home healthcare providers?

Maryland home healthcare providers offer top-quality healthcare for patients. There are particular risks that come with working in close proximity to others at home. Fortunately, insurance can help you deal with the majority of common risks you may face.

  • General Liability Insurance A patient falls and results in an appointment to the emergency room. When visiting the home of a patient you slip and break an expensive vase. Two common cases that you could encounter while working as a medical assistant at home. General Liability insurance is available to assist.
  • The ability to offer professional liability insurance is a key factor for patients and their families. You could be the subject of an action for professional liability in the event that your treatment isn’t up-to-standard or you commit an error.
  • Insurance healthcare agencies are able to store sensitive patient information. Cyber Liability insurance is available to help you recover from a data breach or malicious attack, as well as any other harm to your business.

BizInsure can assist agencies and home health aids find business insurance to address the risks that you 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 ...
Regean K.
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.
Edward G.
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.
Gertrude R.
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.
Aileen D.
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.
Michele H.
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
Great and fast service!!!! The representative was very professional!!!!
Tanya S.
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.
Jimmy S.
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!!
Josh M.
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.
Allison Y.
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!
Graham B.
22:12 23 Jun 17

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