Insurance for Home Health Aides and Agencies in Texas
Home health aides offer high-quality care to their patients. It doesn’t matter if you are part of a team or on your own, you know how important it is for patients to live at home. It is crucial to provide support for others, but who is providing support to you?
BizInsure makes finding Home Health Aide insurance for small businesses in Texas simple. Wherever you’re working–from Houston to Dallas and Austin to Fort Worth–insurance for home health aide agencies is in reach.
Why should you consider becoming a home health care professional in Texas?
Home Health Aides are in high demand in just about every state, including Texas. This is a great opportunity to start your career as a health professional, and also have a positive effect on the Lone Star State’s patients.
According to the Bureau of Labor Statistics, Texas has just below 306,410 home care aides and personal caregivers. 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%.
Texas home health aides and personal caregivers earn an average salary of $22,620 annually or $10.88 an hour. Texas home health aides might earn more in larger cities than in rural areas or smaller metropolitan areas. The average annual salary for personal and home care aides in Houston is $23,380, and Dallas is $24,330.
Why do home health professionals need insurance in Texas?
Home health aides assist people who are elderly, have disabilities, or are chronically sick. Your services help patients live comfortably and safely at home. However, this unique work setup could result in costly lawsuits and liability claims.
Accidents do happen. It is possible that you could be ordered to pay for the medical bills of a patient if you are found liable. The cost of litigation and claims can be very high. The lawsuits that result from medical claims can take your money and even endanger your job. Texas home care insurance helps caregivers as well as home health aides to protect their finances.
Did you Know?
General Liability insurance provides protection against unfounded claims as well as actual ones.
Texas Home Healthcare Business Insurance
Home health care professionals frequently look into various kinds of insurance for businesses to protect themselves as they work.
General Liability Insurance
General Liability insurance can protect you against any claim by an outside party regarding injury or damage to their property. In these instances, your policy will cover your legal expenses as well as your cost to replace or remedy the situation up to the limits of liability.
This protection is available for both claims with merit as well as ones that are not meritorious. General Liability insurance can be referred to as Commercial General Liability (CGL), “slip and fall” coverage.
What is usually covered?
General Liability insurance provides coverage for lawsuits and claims arising from:
- Bodily injury to a third person
- Property damage to a third party’s belongings
Your General Liability policy also protects you if a claim is made without merit. Baseless claims can be expensive to settle. Aides and home health agencies are more confident knowing that their financial security is covered by a General Liability policy.
What isn’t usually covered?
The following situations are not covered by your General Liability policy:
- Personal injuries at work and workers’ comp claims
- Damage to your own property
- Damage caused intentionally to someone’s property
- Errors or omissions in your work
You may not be protected for specific events. Complete details about coverage will be provided in the policy documents.
Professional Liability Insurance
A Professional Liability insurance policy (also known as Errors and Omissions or E&O insurance) is an essential policy that protects you and your company in case of a lawsuit due to alleged professional wrongdoing. It also covers you against third-party claims arising from professional negligence.
The policy covers both legitimate and meritless claims.
What is typically covered?
Professional Liability insurance covers legal costs, such as settlements or judgments, caused by:
- Errors or mistakes in your professional advice or services
- Allegations of negligence
- Services not delivered or due dates missed
- Contract breaches
Clients often bring these types of claims against you, claiming that your work has resulted in a financial loss for them. Professional Liability insurance policies offer coverage even if there is no evidence to support the claim.
What’s not usually included?
These incidents are not covered under Professional Liability Insurance:
- Injury to the third-party
- The property belonging to a third party may be damaged
- Workplace injuries or claims for workers’ compensation
For more information on Professional Liability coverage, please look up the policy’s wording.
Miscellaneous Medical Insurance for Home Care Providers
Home care providers typically require multiple insurance types to protect against different risk. BizInsure has a Miscellaneous Medical Liability package that includes the most popular insurance types that home care providers choose.
It includes General Liability as well as Professional Liability insurance. Cyber Liability is also included to protect your company from cyber-attacks, data breaches and other risks.
Who needs home health care liability insurance in Texas?
Texas has many healthcare professionals that might require home care insurance.
- Home Health Aides – Subcontractors, independent contractors and sole proprietors might require insurance to protect them and their clients.
- Home Health Care Agents – Protect your employees and business by insuring your home healthcare provider.
- Other Healthcare Practitioners – Nurses, physical therapists, carers, as well as other health professionals might also be able to gain from having insurance for business.
BizInsure offers affordable insurance coverage for home health aides and agencies in Texas. Start a quote to compare policies in minutes!
How much does home healthcare insurance cost in Texas?
Home care insurance costs in Texas can vary based on who you are. This is because each home health professional is different. Your insurance premiums will be determined by your company’s distinctive structure.
Here are a few factors that can be used to calculate your business insurance premiums:
- Education and qualifications – Are you well-trained to do the job? Are you licensed to work as an Texas healthcare provider?
- The city, town or county in which you work – Insurance for care providers in cities, such as Dayton or Columbus, will likely be more expensive than for those located in areas that are less populated.
- Claims history – A record of past claims can result in higher insurance premiums.
- The amount of coverage that you need – Higher coverage usually means higher premiums. Clients may require that you maintain minimum coverage.
How much does business insurance cost? Comparing quotes from more than one insurer can help to find home health insurance that suits you and your budget.
Frequently asked questions (FAQs)
What are the risks for home care professionals in Texas?
Home healthcare providers in Texas offer high-quality care for patients. However, it is often risky to work closely with people at their home. Insurance is a way to deal with many of the common risks that you may encounter.
- General Liability insurance – Accidentally, you smash and break a costly vase while in a patient’s home. General Liability insurance is available to help if you damage a third party’s property.
- Professional Liability insurance – Patients and their families depend on your skill and knowledge. A negligence lawsuit may be brought against you if you commit mistakes or fail to meet their expectations.
- Cyber Liability insurance – Certain sensitive patient information could be kept by home healthcare agencies. If you experience an incident of data loss or criminal attack, Cyber Liability insurance can help you repair the damage done you business.
BizInsure helps home health aides and agencies find business insurance that can address the unique risks they face every day.
What are the home healthcare license requirements in Texas?
In Texas, home health care aides are often referred to as Home Health Aides (HHAs) or Personal Care Assistants (PCAs). The state of Texas does not require a specific license to work as a home health aide. However, there may be certain requirements set by employers or home health agencies.
To work as a home health care aide in Texas, you may need to:
- Complete a training program: Although not mandatory by the state, many employers or home health agencies require completion of a state-approved training program. These programs may include topics such as basic caregiving skills, personal care assistance, infection control, and basic health monitoring. Some programs may offer certifications upon completion.
- Obtain CPR and First Aid certification: Employers may require you to hold a valid CPR (Cardiopulmonary Resuscitation) and First Aid certification. These certifications can usually be obtained through training providers approved by the American Heart Association or the American Red Cross.
- Pass a background check: Many employers or agencies require background checks to ensure the safety and well-being of clients. This typically involves providing personal information and consent for a criminal background check.
- Meet additional requirements: Depending on the employer or agency, you may need to meet additional requirements, such as having a valid driver’s license, a clean driving record, and proof of immunizations.
It’s important to note that while a specific license may not be required in Texas, home health care aides who provide skilled nursing care or other specialized services may need to meet different licensing or certification requirements. This may apply if you plan to provide services that fall under the scope of a licensed profession, such as nursing or physical therapy. In such cases, you would need to pursue the appropriate professional license or certification.
To obtain the most accurate and up-to-date information on home health care aide requirements in Texas, I recommend reaching out to the Texas Department of Aging and Disability Services or the Texas Health and Human Services Commission. They can provide you with detailed information and guidance on licensing and training requirements specific to your situation.