Home Health Care and Caregiver Insurance
in Mississippi

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Home Health Aide quotes

Home Health Agency quotes

Business insurance for Home Health Aides and Agencies in MS

Home Health Aides provide the highest quality of care to their patients. No matter if you work alone or in a group, you know how important it is for patients to live in their own home. It is crucial to provide support for other people, but where is the support for you when times get tough?

BizInsure makes it easy for Home Health Care professionals in Mississippi to get insurance. Insurance for Home Health Agencies can be found regardless of where you are located in Mississippi, from Jackson to Gulfport or from Southaven up to Hattiesburg.

Why not consider becoming an Mississippi Home Health Aide?

Home Health Aides are in demand in just about every state and even in Mississippi. This could be a great way for you to begin your career in healthcare and make a positive influence on patients throughout The Magnolia State.

According to the Bureau of Labor Statistics data for 2021, Mississippi has just below 20,590 home health aides and personal care aides. This number is expected to rise over the next few years. Between 2021 and 2031, the number of home health aides will rise by 25%. This is more than the average growth rate of all occupations, which is 8%.

The average annual salary in Mississippi for personal or home care aides and home health aides is $22,410. They make an average of $10.77 an hour. In Gulfport, personal and home care aides make an average salary of $25,910 and Jackson’s is $28,910.

Why do home care providers need insurance in Mississippi?

Home Health Aides and other healthcare workers provide support for those who are elderly, chronically sick as well as those who have disabilities. These patients can remain in peace and security in their own homes because of the services that you provide.

But since you are in their homes, this could cause you to be liable for costly claims or lawsuits.

Accidents can occur. If you’re found responsible, you may be required to pay the victim or their family as part of an expensive claim or lawsuit.

This can rapidly drain your bank account and even end your career. Insurance for home care professionals helps Home Health Aides in Mississippi safeguard their financial security.

Did you Know?

General Liability insurance* provides cover protection against unfounded claims as well as real ones.

Mississippi Home Healthcare Business Insurance

Health aides at home and other health professionals might consider a variety of business insurance options to protect them as they work.

General Liability Insurance

General Liability insurance protects businesses against claims made by third parties resulting from injury and property damage. Your policy covers legal expenses and the cost to remedy the situation up to the policy limits. These protections apply to claims that do have merit and those that don’t. General Liability insurance is also known as Commercial General Liability (CGL) or “slip and fall” coverage.

What is typically covered?

General Liability Insurance provides coverage for claims and lawsuits that result from:

  • Injuries to a third-party
  • Property damage on property that is owned by third parties

There is no requirement to prove the claim under the General Liability policy. It also protects third-party claims that have no merit. The cost of unsubstantiated claims is often high to resolve. General Liability policies provide home health agencies and aids with more peace of mind when they care for their patients.  

What isn’t generally covered?

Your General Liability insurance policy won’t cover events such as:

  • Personal workplace injuries and workers’ comp claims
  • Damage to your own property
  • Intentional damage to a third party’s property
  • Errors or mistakes in your work

Other events may not be covered by your General Liability Insurance. The complete details regarding the coverage will be included in your policy documents.

Professional Liability Insurance

Professional Liability insurance protects you from any mistakes or omissions in your work which can result in your client losing money. It also shields you from third-party claims of professional negligence. The policy provides protection against both genuine and unjustified claims. The policy is sometimes referred to as E&O insurance.

What is typically covered?

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

  • Errors, mistakes or omissions in your professional services or advice
  • Allegations of negligence
  • Undelivered services or missed deadlines
  • Breaches of contract

These kinds of claims usually come from clients who assert that your actions caused them financial loss. Insurance policies for Professional Liability offer coverage even if there is no basis for the claim.

What isn’t usually covered?  

There are some events that are not covered by Professional Liability insurance.

  • Third-party bodily injury
  • Damage to a third party’s property
  • Personal workplace injuries or workers’ comp claims

Refer to the policy’s formulation for more details about what is and isn’t covered under the Professional Liability insurance.

Miscellaneous Medical Liability Package For Home Health Care Providers

Home Health Aides and other health care businesses typically need more than one insurance policy to protect their business from different risks.

BizInsure’s Miscellaneous Insurance Liability Package combines many coverages that home-care companies might be interested in. The package offers Professional Liability insurance and General Liability insurance.

Cyber Liability insurance, which helps protect against security breaches, malware attacks and other potential risks for your business, is also included within this package.

Who needs home health insurance in Mississippi?

Mississippi has numerous healthcare professionals who may require insurance for home care.

  • Home Health Aides – Independent contractors, subcontractors or sole proprietors may have to cover their employees and patients.
  • Home Health Services – Protect your small company and your employees by purchasing insurance for home aide agencies.
  • Other Healthcare Practitioners – Physical therapists, carers, as well as other health professionals might also be able to benefit from having business insurance.

BizInsure can help Mississippi Home Health Aides and agencies find Liability insurance and other coverage. Start a quote to compare policies in minutes!

How much does Home Health Insurance cost in Mississippi?

Home care insurance costs in Mississippi may vary depending on your circumstances.

Some factors that are used to calculate premiums for business insurance are:

  • Education and qualifications – Are you able to work as an Mississippi health care provider?
  • Locations – home care providers in cities, such as Dayton or Columbus, will likely pay more than ones based in areas that are less populated.
  • Your claims history – An accumulation of past claims could lead to more expensive rates in the near future.
  • The coverage you need – More expensive premiums are typically connected with greater coverage. Clients might require minimum coverage.

Want to better understand how much business insurance costs? Comparing quotes from multiple insurance providers can help you find an affordable home health insurance that suits your needs.

Frequently Asked Questions (FAQs)

What are the potential risks for home health care providers in Mississippi?

Home healthcare providers in Mississippi provide excellent patient care. However, it is risky to work so closely with patients at home. Fortunately, insurance can help you manage many of the most common risks you may face.

  • General liability insurance – A patient falls and slips, which requires the use of an emergency room. Inadvertently, you knock over and break a vase inside the home of the patient. These are two common claims that you could encounter while working as a medical assistant at home. General Liability insurance can assist.
  • Professional liability insurance – Patients and their families depend on your expertise and skills. A negligence lawsuit may be brought against you or other professional liability claims could be filed if you commit mistakes or do not satisfy their expectations.
  • Cyber Liability insurance – Home healthcare providers can store sensitive patient data. If you suffer an incident of data loss or criminal attack Cyber Liability insurance can assist you in repairing the damage done you business.

BizInsure can assist home health aides and agencies find business insurance to address the risks that you encounter every day.

What are the Home Health Aide (HHA) license requirements in Mississippi?

The Mississippi Department of Health doesn’t require that home health aides hold a DPH-granted license to operate a home care agency in the state. However, an agency may still be penalized if it doesn’t follow best business practices or take complaints seriously.

It’s worth noting that home care agencies in Mississippi cannot operate without an administrator or an alternately qualified person to run the business who is over 18 years old and has a GED. The owner and key staff should all be able to pass a background investigation.

How to get license and start a home care service in Mississippi?

There may be specific requirements set by counties or townships for an application to obtain a local business license in that region. To do so, it is crucial to have the right office and location, and that all licenses are displayed in an easily visible area.

Get a Mississippi Department of Health Home Health Care License after getting a Certificate of Need Approval
The Mississippi Department of Health determined that an agency cannot apply for a Home Health Care Agency license before a thorough review of the Certificate of Need has been completed. The number of agencies and the county population are the only factors that will be considered.

Certificate Of Need
It is important that your Mississippi Home Health Agency adheres to best practices and policies. Without key qualified staff, your Home Health Care Agency may not be able to operate. The owner and all key staff should be able to pass a background check.

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
*This information is a general guide only and does not take into account your objectives, financial situation or needs. Always check with your local licensing board when getting or renewing your home health license to ensure you are meeting their current licensing requirements.
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