Home Health Aide Insurance in Ohio

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Home Health Aide quotes

Home Health Agency quotes

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 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.

 

Home health aides and agencies in Ohio can find General Liability and other insurance coverage with BizInsure. 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.

Why choose BizInsure for Home Health Aide insurance in Ohio?

Ohio home healthcare providers go to BizInsure for their business insurance needs:

Fast & easy application

We’ve done away with the complicated paperwork that usually goes with insurance. Our application process is simple, usually 10 questions or less.

Top-rated insurers

We work with only A-rated or better insurers. We bring you reliable and competitively priced business insurance options.

Instant coverage

No more waiting to hear back from a broker. You’ll receive your proof of insurance by email as soon as you buy.

Quality customer support

Licensed agents are ready to help at every stage of your insurance journey.

Compare home care insurance in Ohio today. Start your online application now.

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.

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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!
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04:36 15 Oct 21
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22:28 29 Sep 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!
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19:49 09 Sep 21
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16:49 07 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.
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22:21 02 Sep 21
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19:39 27 Jul 21
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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.
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16:26 15 Jun 21
Done in less than an hour!
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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
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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
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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.
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21:00 07 Apr 21
Sandra D.
17:48 31 Mar 21
Jusephine G.
17:58 23 Mar 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.
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23:13 09 Mar 21
Mr. Daniel Scott was very responsive to my professional needs.
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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
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21:51 24 Nov 20
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rhonda H.
23:26 12 Nov 20
Owner (.
23:19 06 Nov 20
Cincere B.
15:16 29 Oct 20
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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.
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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.
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01:52 12 Sep 20
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02:41 27 Aug 20
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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!
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16:45 24 Aug 20
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19:25 24 Jul 20
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19:01 14 Jul 20
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22:34 22 Jun 20
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21:51 04 Jun 20
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02:03 04 Jun 20
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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!!
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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.
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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
Daniel S.
15:15 27 Jun 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
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