Insurance for Home Health Care Providers
in Tennessee

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Home Health Aide quotes

Home Health Agency quotes

Tennessee Home Health Aides and Business Insurance

Home Health Aides are highly skilled in providing the highest level of care to patients. No matter if you work as an independent professional or part of a larger home healthcare agency, it is important that patients can safely live in their own home. Your support is crucial, but are you also being supported?

BizInsure makes searching for insurance for Home Health Aides Tennessee simple. It doesn’t matter where you work, Tennessee insurance for home aide agencies is available.

Why do you want to be Home Health Aide in TN?

Tennessee has a demand for home health aides. If you are interested to a career in healthcare this could be the ideal way to start your career. You can also make a positive impact on patients throughout Tennessee.

According to data from the Bureau of Labor in 2022, there are around 27,660 personal care aides or home health aides in Tennessee’s non-metropolitan area. This number will likely increase over the next few years. The country’s total number of home health aides is expected to increase by 25% between 2021 and 2031.

Tennessee’s average salary for home health or personal care aides is $24,420, with an average hourly wage of $11.74. Home health aides in Tennessee may make more in larger cities than in rural areas or smaller metropolitan areas. The average annual salary for home health and personal care assistants in Nashville and Knoxville is $25,910 and $24,610, respectively.

Why do home health care providers need insurance in Tennessee?

Home health aids work closely with the chronically ill, elderly and disabled. These patients will be able to live safely and comfortably in the comfort of their own homes with the help of your services. You could also face costly lawsuits or liability.

Accidents happen. In these cases, you might have to compensate the family member or patient. Lawsuits and claims are costly. This could lead to a loss of income and even a termination of your job. Tennessee’s home care insurance can help caregivers like home health aides and home-based agencies to protect their financial health.

Did you know?

General Liability Insurance provides protection against real and unfounded claims made to third parties.

Tennessee Home Healthcare Business Insurance

Home health aides as well as other healthcare professionals might consider business insurance to provide protection while they are working.

General Liability Insurance

Also referred to as Commercial General Liability (CGL) or “slip and fall coverage”, this insurance can protect your business against bodily injury or property damage lawsuits from outside parties.

Your policy covers the legal costs and cost of rectifying the situation (up to the policy limits). These protections will apply to both meritorious and unfounded claims.

What is typically covered?

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

  • Third-party bodily injury
  • Third-party property damage

To be covered by your General Liability insurance, a claim does not need to be true. It also covers third-party claims which are unfounded. Baseless claims can prove costly to resolve. A General Liability Policy provides greater financial protection for home health aides, agencies, and other professionals who care for their patients.

What is not covered?

Your policy of General Liability will not cover:

  • Personal workplace injuries, workers’ comp claims
  • Property damage
  • Intentional harm to the property or rights of another party
  • Mistakes or errors in your job

There might be other situations that aren’t covered by your General Liability insurance. Full details of what coverage you have will be found in your policy documents.

Professional Liability Insurance

Professional Liability, otherwise known as E&O insurance, protects your business against claims of negligence, misrepresentation or mistake, as well as document or paperwork errors. It also protects against third-party claims of professional malpractice.

A Professional Liability insurance policy will cover both meritless or true claims.

What is covered by Professional Liability policy?

Professional Liability insurance covers legal expenses. This includes settlements and any judgments that might result.

  • You may make mistakes, omissions or errors in your professional services.
  • Negligence accusations
  • Services not delivered on time or missed deadlines
  • Contract breaches

Clients usually bring these claims to claim that you caused financial loss through your work. Even if a claim is unfounded, Professional Liability policies provide coverage.

What isn’t covered?

Some events are not covered by Professional Liability Insurance.

  • Third-party bodily injury
  • Property of third parties may be damaged
  • Personal workplace injuries, workers’ comp claims

Refer to your policy wording for more details about Professional Liability insurance.

Miscellaneous Medical Liability Package For Home Health Care Providers

Home health aides or home care agencies may need several types of insurance in order to manage different risks. BizInsure offers a Miscellaneous Medical Liability Package. This package combines most coverages home health care companies often look into. This includes General Liability and Professional Liability insurance. Cyber Liability is also included to protect you against malicious code attacks, data breach, and other events that could cause damage to your business.

Who may need healthcare insurance in TN?

Tennessee may have many healthcare professionals who need homecare insurance.

  • House Health Aide – Insurance may be required to protect independent contractors, subcontractors, or sole proprietors.
  • Home Healthcare agencies Insurance for home health aide agencies protects your small business and your staff.
  • Other Healthcare Workers Nurses, physical and occupational therapists are just a few of the professionals who could benefit from having business insurance.

BizInsure makes it easy for Tennessee-based home health care agencies to find General Liability and other insurance coverage. Start a quote to compare policies in minutes!

How much does home health insurance cost in Tennessee?

Tennessee’s home care insurance cost can differ from one individual to the next. This is because every home care aide is unique. Therefore, your insurance premiums are based in part upon the unique composition of your business.

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

  • Have you completed your education and are you qualified? Are you legally licensed to provide healthcare in Tennessee?
  • Your city, town, or county is. The care providers based out of cities like Dayton and Columbus will probably charge more than those in less populated areas.
  • The history of your claims– The existence of past claims may lead to higher premiums.
  • The coverage level you require. More coverage means more premiums. Clients may require you to have minimum coverage.

To find out what business insurance will cost you, click here. Comparing quotes from different insurers can help find home health insurance that suits you and your budget.

Frequently Asked Questions (FAQs)

What are the potential risks for Tennessee's home healthcare providers?

Tennessee home healthcare providers deliver high-quality services to patients. It is possible to run into unique risks when you work with others in your own home. Insurance can help with managing many of the most common risk you might face.

  • The patient slips on the floor and falls, requiring an ambulance. A patient accidentally breaks an expensive vase by knocking it over. These are two possible claims you could encounter while working as a home medical aide. Insurance can help with these types of cases.
  • Your skill and knowledge are important to patients and their families. Negligence lawsuits or Professional Liability claims could be brought against you if you make an error in your care or don’t meet their expectations.
  • Home healthcare agencies may have sensitive patient information. Cyber Liability insurance may be able to assist you in repairing the damage done to your business by covering data breaches or other malicious attacks.

BizInsure can help you find home health aides or agencies that offer business insurance.

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.

What are the home health care license requirements in Tennesse?

In Tennessee, home health care aides are typically referred to as Certified Nursing Assistants (CNAs). To become a CNA, you must complete a state-approved training program and pass a competency examination. Here are the general steps involved in obtaining a home health care license in Tennessee:

  1. Complete a state-approved CNA training program: Enroll in a training program that meets the requirements set by the Tennessee Department of Health. These programs are offered by community colleges, vocational schools, and some healthcare facilities. The training usually consists of classroom instruction and hands-on clinical experience.
  2. Submit an application: After completing the training program, you need to submit an application to the Tennessee Department of Health. The application will include personal information, details of your training program, and any necessary fees.
  3. Pass the competency examination: Once your application is approved, you will be eligible to take the state competency examination. The exam evaluates your knowledge and skills related to nursing assistance. Successful completion of the exam is required to obtain your CNA license.
  4. Background check: As part of the licensing process, you will likely need to undergo a criminal background check. This may involve providing fingerprints for a state and federal background check.
  5. Maintain your license: After obtaining your CNA license, you must ensure you meet the continuing education requirements to maintain your license. The specific requirements may vary, but typically, CNAs need to renew their license every two years and complete a certain number of continuing education hours during each renewal period.

It’s important to note that while the above steps outline the general process, there may be additional requirements or variations specific to Tennessee. I recommend visiting the Tennessee Department of Health website or contacting them directly to obtain the most accurate and up-to-date information on the licensing process for home health care aides in Tennessee.

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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