Missouri Home Health Care Insurance

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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 in Missouri to find insurance to safeguard their small-scale business. There are insurance options available for home-health aid agencies across every state, which means it doesn’t matter which state you reside in, whether it’s Kansas City or Columbia.

Why you should 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. Missouri home health aides might earn more in larger cities than in rural areas or smaller metropolitan areas. The average annual salary for home health and personal-care aides in Kansas City, Columbia, is $27,060, and $25,670 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 topics are covered the most frequently?

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 are the most common risks that are 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 should have home care insurance?

Missouri’s healthcare professionals may need home health insurance.

  • 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.

Agency and home health aides located in Missouri can get General Liability and other insurance coverage with BizInsure. Start a quote to compare policies in minutes!

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

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.

  • What are your 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 more than one insurer can help to locate a home health insurance policy that suits you and your budget.

Frequently asked questions (FAQs)

What are the chances 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 insurancePatients 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 assist home health aides and agencies locate insurance for businesses to cover the risks that you encounter every day.

What are the home healthcare aide license requirements in Missouri? How do I get a home healthcare license in Missouri?

There are no licensing requirements in Missouri for home healthcare aides. In order to work in Missouri, you have to satisfy specific requirements.

If you are working for a home health agency in Missouri that is Medicare/Medicaid certified, you will need to:

  • Pass competency assessment.
  • Complete 75 hours training.
  • Complete an additional 16 hours of clinical training.

You may receive regular training from the agency while you are employed there.

To become a Medicaid-certified independent healthcare aide, you must:

  • Enroll with the Missouri Department of Jobs and Family Services
  • Do a background investigation at the state level
  • Get a background investigation from the FBI (if you’ve been living in the state less than 5 years).

You’ll want to safeguard your work and the company you’ve built once you’ve worked hard to be a home healthcare aid. Business insurance for home healthcare in Missouri shields you against many of the common dangers you might face while working. It can provide you with greater security and peace of mind, as well as protect your finances from expensive lawsuits.

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