Insurance for Home Health Aides and Agencies in Ohio
Home Health Aides provide the highest quality of care to their patients. Whether you work on your own or as part of a home healthcare agency, you understand how important it is for people to be able to live safely in their own homes. The support you give to others is so important, but who is supporting you?
BizInsure makes it simple and easy for Home Health Aides in Ohio to find insurance to protect their small business. No matter where in the state you’re working—from Cincinnati to Cleveland and Toledo to Columbus—insurance for home health aide agencies is within reach.
Why become a Home Health Aide in Ohio?
Home Health Aides are in demand in just about every state, including Ohio. If you’re interested in a career in healthcare, this could be a great way to enter the field and have a positive impact on patients across the Buckeye State.
There are just under 92,000 home health aides and personal care aides in Ohio, according to 2020 data from the Bureau of Labor Statistics. This number is likely to increase in the coming years. Between 2020 and 2030, the number of home health aides across the entire country is expected to grow by 33%. This is much faster than the average expected growth rate for all occupations, which is just 8%.
Home health aides and personal care aides in Ohio earn an average annual salary of $24,670 or an average hourly wage of $11.86. While these are below the national median annual salary of $27,080 and $13.02 per hour, Ohio home health aides may earn more in major cities than in smaller metro areas and rural parts of the state. For example, the average annual salaries for home health and personal care aides in Cincinnati and Columbus are $25,620 and $25,500, respectively.
Why do home health care providers in Ohio need insurance?
Home health aides work closely with the elderly, those with disabilities, and the chronically ill. The services you provide help these patients live safely and comfortably in their own homes. It could also expose you to expensive liability claims or lawsuits.
Accidents happen, and if you are liable you may need to compensate a patient or their family. Claims and lawsuits can be expensive. This could quickly drain your bank account and potentially ruin your career. Home care insurance in Ohio helps home health aides, home health agencies and other care providers protect their finances.
Did you Know?
General Liability insurance provides cover against both real and unfounded claims made by third parties.
Home Healthcare Business Insurance in Ohio
Home health aides and other healthcare professionals often consider many types of business insurance to protect them as they work.
General Liability Insurance
General Liability insurance protects businesses against third-party claims of injury and property damage. Your policy covers legal expenses and the cost to fix the situation (up to the policy limits). These protections apply to claims that do have merit and those that do not. General Liability insurance is also sold as Commercial General Liability (CGL) or “slip and fall” coverage.
What is typically covered?
General Liability insurance provides coverage for claims and lawsuits caused by:
- Third-party bodily injury
- Third-party property damage
A claim does not need to be true for your General Liability policy to protect you. It also covers third-party claims that are without merit. Baseless claims can be expensive to resolve. A General Liability policy provides home health aides and agencies with greater peace of mind as they care for their patients, knowing that their finances are protected.
What is not typically covered?
Your General Liability policy will not 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
There may be other events that are not covered by your General Liability insurance that are not listed here. Your policy documents will provide complete details on what coverage is and is not included.
Professional Liability Insurance
Professional Liability insurance covers mistakes or omissions in your work that cause your client to lose money. It also protects you against third-party claims of professional negligence. A policy will provide coverage for both true and meritless claims. Professional Liability insurance is also sold as Errors & Omissions (E&O) insurance.
What is typically covered?
Professional Liability insurance covers legal expenses, including settlements and judgements, that can result from:
- Errors, mistakes or omissions in your professional services or advice
- Allegations of negligence
- Undelivered services or missed deadlines
- Breaches of contract
These types of liability claims are usually brought by clients who assert that your work has caused them a financial loss. Professional Liability insurance policies provide coverage even if a claim brought against you is baseless
What is not typically covered?
Events that are not covered by Professional Liability insurance include:
- Third-party bodily injury
- Damage to a third party’s property
- Personal workplace injuries or workers’ comp claims
Please refer to your policy wording for full details on what is and is not covered by your Professional Liability insurance.
Miscellaneous Medical Liability Package for Home Health Care Providers
Home health aides and home care agencies often need more than one type of insurance to address different risks to their business. BizInsure offers a Miscellaneous Medical Liability Package that combines common coverages that home health care businesses often consider. This includes General Liability and Professional Liability insurance, plus Cyber Liability to help protect you against malicious software attacks, data breaches and other events that could harm your business.
Who needs home health care insurance?
There are many healthcare professionals who might need home care insurance in Ohio:
Home Health Aides – Independent contractors, subcontractors and sole proprietors may need insurance to protect them and their patients.
Home Healthcare Agencies – Protect your small business and your employees with insurance for home health aide agencies.
Other Healthcare Professionals – Nurses, physical therapists, and carers are just some of the healthcare professionals who may also benefit from having business insurance.
BizInsure offers liability insurance coverage for home health aides and agencies in Ohio. Start a quote to compare policies in minutes!
How much does home healthcare insurance cost in Ohio?
The cost of home care insurance in Ohio can vary from one person to the next. This is because every home healthcare aide is different, and your insurance premiums will be based in part on the unique makeup of your business.
Some of the factors used to calculate business insurance premiums may include:
- Your education and qualifications – Are you properly trained to do your job? Do you hold the correct licenses to work as a healthcare provider in Ohio?
- The city, town or county you work in – Care providers in cities, such as Dayton or Columbus, will likely pay more than ones based in less populated areas.
- Your claims history – A record of past claims could mean paying higher insurance premiums in the future.
- The amount of coverage you need – More coverage typically means higher premiums. You may be required to maintain minimum levels of coverage by clients.
Want to better understand how much business insurance will cost for you? Comparing quotes from more than one insurer can help you find home healthcare business insurance that suits your business and your budget.
Frequently Asked Questions (FAQs)
What are the risks home healthcare providers face in Ohio?
Home healthcare providers in Ohio provide high-quality to patients. However, working so closely with others in their own homes can present unique risks. Luckily, insurance can help you manage many of the most common risks you may face.
- General Liability insurance – A patient slips and falls, requiring a trip to the emergency room. You accidentally knock over and break an expensive vase while in a patient’s home. These are just two claim examples that you might encounter as a home health aide that General Liability insurance can help with.
- Professional Liability insurance – Patient’s and their families rely on your skill and knowledge. If you make a mistake in your care or you don’t live up to their expectations, you could face a negligence lawsuit or other professional liability claim.
- Cyber Liability insurance – Home healthcare agencies may store sensitive patient information. If you experience a data breach or other malicious attack, Cyber Liability insurance can help you repair the damage done you business.
BizInsure can help home health aides and agencies find business insurance to address the unique risks you face everyday.
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.