Home Health Care Insurance in Missouri

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Home Health Aide quotes

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Insurance for Home Health Aides and Agencies in Missouri

Home health aides offer high-quality care for their patients. It is crucial for people to live comfortably in their own homes. While it is vital to offer support to others, who is providing the support?

BizInsure makes it easy for Home Health Aides and Home Care Providers in Missouri to find insurance to safeguard their small business. There are insurance options available for home-health aid agencies across every state, which means it doesn’t matter which city you reside in, whether it’s Independence or Springfield.

Why should you become a Home Health Aide in Missouri?

Missouri is home to many Home Health Aide positions. This could be an excellent way to get into healthcare and improve the lives of patients in Missouri.

According to the Bureau of Labor Statistics, Missouri has just under 70,930 personal and home care aides. In the next few years, this number will likely increase. The number of home health aides in the country is expected to grow 25% between 2021-2031. This is faster than the average growth rate for all occupations of 8%.

Missouri home health aides and personal caregivers earn an average annual salary in the neighborhood of $25,520 and an hourly average wage of $12.27. The average annual salary for home health and personal-care aides in Kansas City and St Louis are $27,060 and $$25,480 respectively.

Why do home health care providers in Missouri need insurance?

Home health aides can assist those who are disabled, elderly, and chronically ill. Your services aid these patients to live in safety and in comfort in their own home. It could also result in costly litigation and claims for liability.

Accidents can occur. If you’re found responsible, you may be required to compensate the victim or their family. It is expensive to file a lawsuit or file a claim. This could cause financial problems and could even mean the end of your career. Home care insurance in Missouri aides healthcare professionals in homes, health centers and other care providers protect their finances.

Did you Know?

General Liability insurance covers both real and unfounded claims made from third parties.

Missouri Home Healthcare Business Insurance

Many kinds of business insurance can be used to assist home health aides or other healthcare professionals as they perform their duties.

General Liability Insurance

Also referred to as Commercial General Liability (CGL) or “slip and fall coverage”, this insurance can protect your business against bodily injury or property damage lawsuits from outside parties.

What is typically covered?

General Liability insurance covers the cost of lawsuits and claims as a result of:

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

The General Liability policy does not have to cover a claim. It also protects third parties who make claims without merit. These claims can be difficult to settle. Aides and home health agencies can feel more secure knowing their financial security is covered by a General Liability policy.

What is not covered?

Events such as these are not covered by your General Liability Policy.

  • Personal workplace injuries and workers’ compensation claims.
  • Your property at risk of being damaged.
  • Intentional destruction of property belonging to a third party.
  • Mistakes in your work.

Other types of events are not covered by your General Liability Insurance. Your policy documents will provide complete details on what is covered what isn’t covered.

Professional Liability Insurance

Professional Liability, otherwise known as E&O insurance, protects your business against claims of negligence, misrepresentation or mistake, as well as document or paperwork errors.

What is typically covered?

Professional Liability insurance covers legal expenses, including settlements and judgements, that can result from:

  • Errors, mistakes or omissions in your professional advice or services.
  • Neglect allegations.
  • Service not delivered or missed deadlines.
  • Contracts that are breached.

These types of lawsuits are usually filed by customers who claim your work has led to financial loss. Professional Liability insurance policies offer coverage even if a claim against you is baseless.

What isn’t normally covered?

The types of events that are not included in Professional Liability insurance include:

  • Bodily injury to third parties.
  • Property belonging to a third-party could be damaged.
  • Workers’ compensation claims or personal workplace accidents.

Check your policy’s text for complete details about what Professional Liability insurance covers.

Miscellaneous Medical Insurance Package for Home Care Providers

Home health aides and home care organizations typically require more than one kind of insurance to address various risks that could affect their business. BizInsure also offers a Miscellaneous Legal Liability Package which includes common coverages that home healthcare businesses will likely want to look at. This policy includes Professional Liability and General Liability insurance. Cyber Liability protects you from malicious software attacks, data breaches, and other events that can harm your business.

Who may need home care insurance in Missouri?

Healthcare professionals in Missouri may need liability insurance.

  • Home Health Aides: Independent contractors, subcontractors or sole proprietors may have to be covered for their employees and patients.
  • Home Healthcare Agency: Protect your small business as well as your employees by obtaining insurance for home healthcare agencies.
  • Other Healthcare Professionals: There are a variety of healthcare professionals that may benefit from business insurance such as physical therapists, nurses and carers.

Home health aides and businesses in Missouri can get liability insurance coverage with BizInsure. Start a quote to compare policies in minutes!

How much does home healthcare insurance cost in Missouri?

Home care insurance costs in Missouri can vary based on the type of person you are. This is because every home health aide differs. The cost of insurance will also depend on your company’s distinctive structure.

Some of these factors may be used in calculating business insurance premiums.

  • Education and qualifications – Do you have the right training to perform the job? Are you licensed to practice as a Missouri healthcare provider?
  • Wherever you live  – Care providers who reside near major cities like Dayton and Columbus are likely to be paid more than those in counties or towns that are smaller.
  • Your claims history – An account of your previous claims may result in you paying more for insurance premiums in the future.
  • The coverage level you require – Higher premiums usually mean more coverage. Some clients may require minimum coverage.

Do you want to know what the cost of business insurance is? Comparing quotes from multiple insurer can help to find a home health insurance policy that suits you and your budget.

Frequently asked questions (FAQs)

What are the risks for Missouri home healthcare providers?

Missouri home health care providers in Missouri are highly skilled and provide excellent patient care. Working so closely with other people at their homes could create unique risks. Insurance is a way to take care of many of the common risks that you may encounter.

  • General Liability Insurance A patient falls, resulting in an trip to the emergency room. You accidentally break or knock over a vase that is valuable when visiting the home of a patient. Two instances of claims General Liability Insurance may be able to assist as a home-health aide.
  • Professional Liability insurance – Patients and their families rely on your expertise and skills. A negligence lawsuit could be brought against you, or other professional liability claims could be filed, if you make a mistake or do not meet the expectations of your clients.
  • Cyber Liability insurance – Home healthcare agencies might store sensitive patient data. Cyber Liability insurance can be beneficial if you’re the victim of an information leak or other malicious attack.

BizInsure can help home health aides and agencies find insurance for businesses to cover the risks that you face every day.

What are the home healthcare license requirements in Missouri?

In Missouri, home health care aides are often referred to as “Certified Nurse Aides” (CNAs). To become a CNA in Missouri, you generally need to follow these steps:

  1. Training Program: Complete a state-approved CNA training program. The program should consist of classroom instruction as well as supervised clinical training. These programs are offered by various community colleges, vocational schools, and healthcare facilities.
  2. Criminal Background Check: Undergo a criminal background check. This typically involves submitting fingerprints for a state and federal background check.
  3. Competency Evaluation: After completing the training program, you must pass a competency evaluation to demonstrate your knowledge and skills as a home health care aide. This evaluation is often conducted in two parts: a written or oral examination and a skills demonstration.
  4. Registry Placement: Once you have successfully completed the competency evaluation, your name will be placed on the Missouri State Certified Nurse Assistant Registry. This registry confirms your status as a certified home health care aide in the state.

It’s important to note that while Missouri does not require a specific license for home health care aides, becoming a certified nurse aide through the above process is typically the recognized credential for working in home health care.

To get detailed and current information on the requirements, you can visit the Missouri Department of Health and Senior Services website or contact them directly. They will be able to provide you with the most accurate and up-to-date information regarding home health care aide certification in Missouri.

As with any insurance, coverage will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this guide is general only and should not be relied upon as advice. The number of quotes provided varies between products, occupations and other underwriting factors determined by the insurers. © Copyright 2023 BizInsure LLC, 2015 ALL RIGHTS RESERVED BizInsure LLC; CA DBA: Simple, Smart, BizInsure Insurance Agency LLC; NY DBA: BizInsure Services LLC; NH DBA: Simple, Smart, BizInsure Insurance Agency; PA DBA: BizInsure Services LLC. 2950 Buskirk Ave Suite 300, Walnut Creek CA 94597. License #0H81929
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