Home Health Care Insurance in Wisconsin

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Home Health Aide quotes

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Insurance for Home Healthcare Professionals and Agencies

Home health aides provide the highest quality of care possible to their patients. No matter if you work as a team or on your own, you are aware of how crucial it can be for patients to be able live in their own home. Your support for other people is crucial. But are you also being supported?

BizInsure helps Wisconsin Home Health Aides find small business security. Insurance options are available for home-health aide agencies across the state. No where you reside in, whether it’s Madison or Milwaukee or Green Bay or Kenosha, you can find coverage that suits your business needs.

Why become a home health aide in Wisconsin?

Wisconsin is home to a variety of Home Health Aide positions. It is an excellent chance to begin a career as a healthcare professional and have a positive effect on the patients of Wisconsin.

According to the 2021 data of the Bureau of Labor Statistics, Wisconsin has just 72,980 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%.

The average Wisconsin home health aide and personal care assistant earns $27,080 annually or $13.02 an hour. Home health aides in Wisconsin may make more in larger cities than they do in rural areas or smaller metropolitan areas. Madison’s average annual salary for home care and personal assistance aides is $28,620.

Why do home health care providers need insurance in Wisconsin?

Home health aides work closely with the elderly, those with disabilities, and those who are chronically ill. Patients can stay comfortably and safely at home thanks to the services you provide. However, you could be sued or face an expensive liability claim if something goes wrong.

Accidents can happen. If you’re found responsible, you may be required to compensate the victim or their family. The cost of litigation and claims can be very high. They can cause financial issues and could even cause the end your professional career. Wisconsin offers insurance to assist home health care aides, home healthcare organizations, and other care providers safeguard their financial security.

Did you know?

General Liability insurance covers both actual and unsubstantiated claims made by third parties.

Wisconsin Home Health Care Business Insurance

Different types of business insurance are available to help home health aides or other health professionals while they perform their duties.

General Liability Insurance

Your General Liability policy 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.

The protections are available for claims with merit as well as those with no merit. General Liability insurance can also be sold as Commercial General Liability, CGL or “slip & fall” coverage.

What is typically covered?

General Liability insurance provides coverage for claims and lawsuits that have been caused by:

  • Infliction to the bodily integrity of a third party
  • Property damage to third-party property

A General Liability policy also covers third-party claims that have no merit. It can be costly to resolve baseless claims. A General Liability policy provides home health aides and other agencies greater security when caring for patients. It also protects their financial assets.

What typically isn’t covered?

These kinds of events are not usually covered under your General Liability Policy:

  • Personal workplace injuries as well as workers’ compensation claims
  • Property damage to your personal or business property
  • Damage caused intentionally to third party’s property
  • Errors and mistakes in your work

There could be additional events that are not covered under the General Liability insurance that are not included in this list. You will find the complete details of your coverage in your 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 protects you from third-party professional negligence claims.

A policy will provide coverage for both true and meritless claims.

What is typically covered?

Professional Liability insurance covers legal expenses (including judgments and settlements) that could result from:

  • Errors in the professional services or advice you offer.
  • Allegations of negligence
  • Missed deadlines or services not delivered
  • Contract breaches

These kinds of claims are usually brought by clients who assert that your work has caused them a financial loss. Insurance policies for Professional Liability provide protection even if there’s no basis for the claim.

What is typically not included?

Certain events are not covered by Professional Liability insurance:

  • Injuries to a third-party
  • Damaging the property belonging to a third-party
  • Personal workplace injury or workers’ compensation claims

For more information on your Professional Liability coverage, please refer to the policy documents.

Miscellaneous Medical Liability Package for Home Health Care Providers

Home health aides and home care organizations typically choose more than one type of insurance to cover various risks that could affect their businesses. BizInsure offers a medical liability insurance package that combines common coverages that home health care businesses typically consider.

This covers your General Liability and Professional Liability insurance needs, plus Cyber Liability to help protect you against malware-related attacks as well as data breaches, and other incidents that could hurt your business.

Who may consider home health care insurance in Wisconsin?

There are many healthcare professionals who might consider home care insurance in Wisconsin:

  • Home Health Aides – Subcontractors, independent contractors or sole proprietors might need to cover their employees and patients.
  • Home Health Aide Agencies – You can protect your small business as well as your employees by insuring your home health aid agency.
  • Other Health Professionals –  Physical therapists and personal carers are just some of the healthcare professionals who may benefit from having insurance for their businesses.

BizInsure provides customized insurance for home health aides and agencies. Start a quote to compare policies in minutes!

How much does home health insurance cost in Wisconsin?

Costs for home care insurance in Wisconsin may vary depending on who you are. Since every home health care provider is different, the insurance premiums you pay will vary.

Some factors that are used to calculate the cost of business insurance are:

  • Professional qualifications and education – Are you required to complete home health training? Do you hold the correct licenses to work as a healthcare provider in Wisconsin?
  • The county, city or town you work in – Care providers located in larger cities, such as Dayton or Columbus, are likely to be charged more than those based in smaller areas.
  • Claims history – Having a record of past claims can lead to higher premiums.
  • Coverage level – Higher premiums typically mean greater coverage. Some clients may demand that you maintain minimum coverage.

Want to better understand how much business insurance is going to cost you? 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 home health care providers are exposed to in Wisconsin?

Home healthcare providers in Wisconsin provide high-quality care for patients. But, working closely with other people in their homes could pose unique dangers. Luckily insurance is able to help manage many of the most typical risks you could face.

General Liability insurance – You accidentally smash and break an expensive vase in the patient’s home. These are two examples of claims that General Liability Insurance can assist with as a home-health aide.

Professional Liability insurance – Patients and their families depend on your skill and knowledge. A negligence lawsuit could be brought against you if you make a mistake or do not satisfy the expectations of your clients.

Cyber Insurance – Healthcare agencies are able to store sensitive patient information. Cyber Liability insurance will help you to repair damage caused by a breach of data.

BizInsure assists home health aides and agencies find business insurance that addresses the specific risks they face every day.

What are the home health aide license requirements in Wisconsin?

Here’s a general overview of the process:

  1. Education and Training: The first step to becoming a home health care aide in Wisconsin is to complete an approved training program. The program should cover essential topics such as personal care skills, infection control, basic nutrition, and communication skills. Programs are available at vocational schools, community colleges, and some healthcare agencies.
  2. Background Check: You will need to undergo a background check, which typically involves fingerprinting and a criminal records check. This is to ensure the safety of patients and clients.
  3. Competency Evaluation: After completing the training program, you must pass a competency evaluation. This evaluation tests your knowledge and skills related to home health care. It usually includes a written exam and a practical skills demonstration.
  4. Application Process: Once you have completed the required education and passed the competency evaluation, you can apply for a home health care aide license in Wisconsin. You will need to submit an application to the Wisconsin Department of Health Services, along with the necessary documentation and fees. The application may require information such as your personal details, educational background, training program completion certificate, and any relevant work experience.
  5. Licensing and Renewal: If your application is approved, you will receive your home health care aide license from the Wisconsin Department of Health Services. Licenses are typically valid for a certain period, such as two years, after which you will need to renew your license by fulfilling any continuing education requirements and submitting a renewal application.

It’s important to note that specific details and requirements may vary, so I recommend contacting the Wisconsin Department of Health Services or visiting their official website for comprehensive and up-to-date information regarding the home health care aide licensing process in Wisconsin.

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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