Home Health Care Insurance
in Mississippi

  • Compare prices in minutes. There’s no obligation to buy
  • Buy online and get coverage confirmation – instantly  
  • Only high-quality A-rated insurance firms are offered

Home Health Aide quotes

Home Health Agency quotes

Mississippi insurance for Home Health Aides and Agencies

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 Cincinnati to Cleveland from Toledo up to Columbus.

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 Buckeye State.

According to the Bureau of Labor Statistics data for 2021, Mississippi has just below 2260 home health aides and personal care aides. This number is expected to rise over the next few years. Between 2021 and 2030, 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 $20,980. They make an average of $10.09 an hour. Mississippi home health aides may earn more in large cities than in rural areas or in smaller metropolitan areas.

Why is insurance essential for Mississippi home care providers?

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 are the most common coverages?

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 is required to have home health insurance?

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

  • Health Aids 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 agencies and Home Health Aides find General Liability insurance as well as other coverage. Start a quote to compare policies in minutes!

What is Mississippi’s Home Health Insurance cost?

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

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

  • 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 is going to cost you? Comparing quotes from more than one insurance provider can help you locate a home health insurance policy that suits your needs and budget.

Frequently Asked Questions (FAQs)

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

Ohio home healthcare providers are highly skilled and 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 agencies, and home health aids find business insurance to address the risks that you encounter every day.

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

There are no licensing requirements in Ohio for home healthcare aides. However, there are other requirements you need to meet to work in the state.

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

  • Pass competency evaluation
  • Complete 75 hours of training
  • Complete 16 supporting hours of clinical training

 

You will likely receive ongoing training from the agency while you are employed there.

To work as a Medicaid-certified independent health aide in Ohio, you will need to:

  • Enroll with the Ohio Department of Jobs and Family Services
  • Obtain a state-level background check
  • Obtain an FBI background check (if you have lived in the state for less than 5 years)

 

After you’ve put in the hard work of becoming a home health aide, you’ll likely want to protect your career and the business you are building. Home healthcare business insurance in Ohio shields you against many of the common risks you could face on the job. It can help you work with more peace of mind, knowing that your finances are protected against costly claims and lawsuits.

© 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

BizInsure has really come through for me on some really hard to place risks. Andrew takes the time to understand the risk and work through how we can make it work, rather than looking for ways to say no. Thank you for your help!
Carlos T.
18:06 16 Mar 23
Very helpful and explanatory on the policy line of the policy
Josua V.
17:30 14 Mar 23
Worked with Tevin. Amazing customer service. Was very patient with me in figuring out the best insurance coverage for business. Thanks Tevin for making it easy.
Faisal O.
16:23 14 Mar 23
No complaints, Always a fast response when a need arises.
Dan F.
13:56 10 Mar 23
Very good information patience was shown. Much help from Kaled, satisfied with the amount of insurance and good coverage. Affordable is what you need with starting a small business until you grow. Old saying is go as you grow.
Jacquelynn W.
21:53 20 Jan 23
Professionals at what they do! easy to navigate and very good people to lead to to the best coverage!
Magnifier 2.
20:37 17 Jan 23
I have been shopping for business liability insurance for several months. I am happy to share that BizInsure ranked #1! The representatives were polite, patient, and empathetic. They accomplished what most companies struggle with achieving: they did what they said they were going to do, they were on time, and they had empathy. They delivered a policy for 25% less than the closest competetor, and even included $50k of cyber security at no additional cost! I only write reviews when I receive exceptional experiences- highly revommended; keep up the great service BizInsure!P.S. I own a professional referral service in Hawai'i and I am going to see if BizInsure offers an affiliate program.Aloha!
John S.
05:51 23 Nov 22
They respond quickly and give you quotes immediately ...
Regean K.
23:55 09 Nov 22
The agent that I spoke to was very experienced and could tell that I was new at this and was very understanding and took the time to explain everything to me.
lotanga J.
00:04 15 Oct 22
Easy to work with and very responsive. Glad to have them as my broker.
Edward G.
18:54 13 Sep 22
We’re very happy with BiInsured LLC. VERY AFFORDABLE
Paul A. F.
19:20 11 Sep 22
Jasmine Q was on the spot professional, she knew where to direct me and explain to me my concerns and request; she delivered my personal information within minutes of me asking policy questions.That young lady is a true ROCK STAT!!!
Shaka 3 Z.
23:09 15 Aug 22
For a small non-profit, the package I was given was affordable. The representative was polite, patient, understanding, and knowledgeable.
Gertrude R.
18:06 15 Aug 22
Asked for a specific venue to be place on our certificate of insurance and it was done within one business day. Yay! Bizinsure!
Melinda S.
17:02 01 Aug 22
The process was fast and easy and the professional staff was very knowledgeable with any questions that I had and ready to help
VALERIE M.
06:40 31 Mar 22
Friendly agents. Timely replies. Fair pricing. This is a good fit for my business! Thank you, Noah, for all your help.
Beth Anne V.
19:27 28 Mar 22
They are awesome
Tony H.
00:41 07 Jan 22
Noa made sure I had all the information I needed for a first time business owner . He helped me understand what I needed to secure a quality policy and he was super helpful when explaining how the policy would serve its purpose to my company. I was very satisfied and had an Awesome experience, I think people like that make the company look good!
Wayleen O.
04:36 15 Oct 21
I was in need of WC, GL and PL coverages for my business and was able to shop, discuss, confirm and purchase all the coverages in two days! This was a great experience, especially when "Time is Money". Noah Bowman was very professional and knowledgeable. Thanks!
AmeriCreed 1.
15:42 23 Sep 21
MOVING FORWARD, I WILL BE SENDING ALL OF MY BUSINESS TO THIS COMPANY !!!! Incredible customer service!!! Thanks
THEODORE W.
19:49 09 Sep 21
Their representative clearly explained different kinds of policies to help me select the one appropriate for my needs and then helped me enroll by phone painlessly. By the end of the call, I had a policy in place.
Dissent D.
22:21 02 Sep 21
Eugene was Awesome!!!!
Lakesha G
17:19 21 Jul 21
Excellent solution for writers and authors professional liability policy as well as coverage for copyright and trademark infringement. Service was prompt and excellent.
Lane
18:22 22 Jun 21
Done in less than an hour!
William O.
00:30 02 Jun 21
Efficient, and great value. The agent was able to give us a quote and a new policy in a short period of time. Thank you
Brenda J.
20:30 24 May 21
I had a great experiencing obtaining several of my insurance needs as a landscaping company here in Northern Colorado. BizInsure's team took care of my needs and was very responsive to help with paperwork needed to secure a potential client account!
Arik S.
16:34 10 May 21
Very efficient they were able to help me out with my request promptly....highly recommend this companyI am very happy to have them
Elba P.
18:50 26 Apr 21
I need a help getting errors and omissions insurance along with general liability. Jose was very friendly informative and was very patient with me during the process. He found me some of the best rates for the coverage that I needed. Highly recommend
Casper M.
19:51 20 Apr 21
I had numerous conversations with several business insurance agents over a month's time. I also had several conversations confirming the policy inclusion/exclusions and asked many questions. My BizInsure agent was professional, knowledgeable and most important—detail oriented. Even after having an initial conversation a month earlier he knew and *remembered* all my personal/professional insurance needs. When I asked for additional information on the third call he was able to provide me with details very quickly. He was also VERY patient. That is a big plus in my opinion. It illustrated a high level of respect for my needs. I also found when I called back and asked to talk with the initial agent, the person who answered the call was able to get in contact quickly and my agent responded and returned the call within 5-10 minutes. The transaction was smooth, and I think it's a good sign should I ever need to make a claim. I highly recommend BizInsure.
Poetic F.
21:00 07 Apr 21
The rep was extremely helpful actually lowered my quote and made sure I was covered to fit my needs with my growing business! 5star!!
Franklin B.
19:04 16 Mar 21
Excellent service and prices.
Cassiopée V L.
23:13 09 Mar 21
Mr. Daniel Scott was very responsive to my professional needs.
Stephanie W.
17:38 18 Feb 21
Eugene deserves a raise! First time purchasing insurance and he made the process so simple for me. His patience and attention to detail left me feeling confident in my decision to choose BizInsure. Gracias Eugene!
Esined P.
23:32 17 Feb 21
The customer service provided by Jose was outstanding. He explained everything in a very clear/logical way and answered all of my questions. After providing all the information to obtain general liability insurance, Jose sent me the declaration page of the insurance for review. All of the information matched what I provided over the phone and there were no typos. The next day I called back to purchase the insurance which was easy and fast. Overall, my experience with BizInsure including the customer service by Jose exceeded my expectations.
Joe W.
03:29 12 Dec 20
Hiscox/BizInsure made getting Liability Insurance very easy and reasonable.I expected it to be a long and complicated process and it was a nice surprise that they made it so uncomplicated. Thank you. Lisa
Lisa W.
21:51 24 Nov 20
Eugene was incredible. I called 4 other brokers before him who were impossible to get any help.
rhonda H.
23:26 12 Nov 20
Very quick to get in touch with you and good with follow up. Had some trouble retrieving my quote to log into my account initially but Daniel assisted me and the changes were made to get me into my account. Great value for the money.
Fran S.
16:34 20 Sep 20
Very happy to be insured with this company. Professional, Timely, very helpful. Thank you Juan, you made it so much easier for me to understand.
Aileen D.
19:55 15 Sep 20
This company responded when I needed them to respond while facing a deadline. They are an excellent choice for business Insurance.
Michele H.
01:52 12 Sep 20
Jose Quintero took such great care of me and was very patient explained everything I did not understand and got me set up quickly. Fabulous customer service
Christina R.
02:41 27 Aug 20
I can't say enough good things about Daniel Santos kind and effective communication skills as an insurance agent. Daniel was so pleasant, friendly and efficient with helping me obtain insurance as a teacher. If I were to give Daniel a grade, he has earned an At . He made the process easy to understand, it was far easier than what I anticipated. Nancy S.
Nancy S.
00:47 26 Aug 20
I was in need of professional liability insurance for my sole proprietorship. A friend referred me. Everythng was quick and simple and AFFORDABLE!
hope J.
20:31 25 Aug 20
If you need Private Home Care Provider insurance for your company, BizInsure, LLC can get it for you!
Pamela C.
16:45 24 Aug 20
Great and fast service!!!! The representative was very professional!!!!
Tanya S.
19:51 14 Jul 20
I was tryi9ng to find commercial liability insurance for my new comp-any and BizInsure was easy to use and very affordable which is great for me as a new business.
Jimmy S.
19:01 14 Jul 20
Great service insurance prices are great for professionals looking to get insurance for businesses....
Rhonda G.
22:34 22 Jun 20
The provided very professional service and made the process easy.
Paul R.
21:51 04 Jun 20
Bradley Hoyle from the Biz Insure team was excellent to work with. Everything was quick and smooth. Great service, much appreciated!
Kristene S.
02:03 04 Jun 20
Anthony Spencer was great!! Very quick response time!! He was very Professional! I would suggest him because he helped me find a affordable rate and explained all the technicalities..
Fre H.
16:38 28 May 20
I was referred to Bizinsure by a industry trade group that I am a member of. It was easy to get a quote online and then received excellent customer service from Bradley H. to complete my policy purchase over the phone. I have shared this company information now with other business owners for their policy needs.
Dawn T.
22:11 08 May 20
This company was very precise with explaining services and made sure I chose the right business insurance coverage, great customer service at purchasing.
Nekeisha B.
01:30 05 May 20
Amazing
Jasmine Q
14:31 02 Dec 19
Trish is the most patient, professional and understanding insurance agent I’ve ever worked with. Trish has taken care of all my business insurance needs for the last couple years. I am really happy that I found an insurance agent that I know will take care of me & all of my concerns. I feel like a valued customer & I appreciate the great customer service that I get every time!!THANK YOU!
Dr. Youssef C. A.
17:21 14 Nov 18
Tricia helped me get insurance for my business. The task of obtaining a quote was really starting to frustrate me until I was referred to BizInsure through a different agency. Tricia got me a quote fast, and even took a down payment over the phone and issued the proof of insurance the same day. a+ service, would do it again in a heartbeat!! Thank you!!
Josh M.
18:07 22 Jun 18
BizInsure was a great find! I did not have to fill out applications, and Tricia was able to quote and bind business insurance for me within half an hour.
Allison Y.
17:28 21 Jun 18
Started doing business again and needed a policy fast. Ramez was reasonable, helpful and the rates are OK. Buyer beware? Sure, for me it turned out OK this time. Worth a call.
Mark W.
23:42 13 Nov 17
Great customer service. I've been very inpressed with my dedicated representative that had helped me navegate my insurence needs. Thanks so much!
Graham B.
22:12 23 Jun 17
js_loader

Popular Searches

Google Rating
4.4
Based on 89 reviews
×
js_loader