Nebraska Home Health Care Insurance

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Insurance for Home Health Aides and Agencies in Nebraska

Home Health Aides provide quality care to their patients. It doesn’t matter if you are as a team or on your own you are aware of how crucial it can be for patients to be able live in their own home. Your support for others is so important however, who else is supporting you?

BizInsure is a great way for Nebraska Home Health Aides to get insurance that protects their small-scale business. Insurance for home health aide agencies is available regardless of where you live in Nebraska, starting from Lincoln to Omaha to Beatrice up to Blair.

What are the reasons to become a Home Health Aide in Nebraska?

There are many Home Health Aides in every state, even Nebraska. If you’re interested in working in the field of health care, this is a great way to enter the field and make an impact on the health of patients across the Cornhusker State.

According to the Bureau of Labor Statistics 2021 data, Nebraska has around 11,010 home-care aides and personal caregivers. Over the next few years, this number will increase. The country’s number of home-health aids will increase by 25% between 2021 and 2031.

The average salary for Nebraska’s personal caregivers and home-health aides is $28,070. These workers make an average hourly wage of $13.49. Home health aides in Nebraska may make more in larger cities than they do in rural areas or smaller metropolitan areas. The average salary of personal and home care aides working in Northwest Nebraska is $29,550.

Why do Nebraska’s home health care providers require insurance?

Home health aides are able to work with those who are disabled, elderly, and chronically sick. Your services help patients live comfortably and safely at home. However, this could also expose you to expensive legal claims or lawsuits.

Accidents are bound to happen, and you may have to pay the victim or their family members if a costly claim is made against you.

These claims can cause financial issues and could even spell the end of your career.

Fortunately, BizInsure provides insurance options for home health care professionals to safeguard your financial security.

Did you know?

General Liability insurance provides cover for unfounded claims of third parties.

Nebraska Home Healthcare Business Insurance

Home health aides and other health professionals might consider a variety of business insurance options to protect them as they perform their duties.

General Liability Insurance

General Liability insurance protects businesses against third-party claims of injuries and property damage. The policy covers legal costs and expenses to rectify the issue in the amount of the limit of your policy.

This protection is offered for claims with merit as well as ones that are not meritorious. General Liability insurance can be referred to as Commercial General Liability (CGL), “slip and falls” insurance.

What are the most common subjects covered?

General Liability insurance protects against the cost of lawsuits and claims as a result of:

  • Third-party bodily injury
  • Property damage to third-party property

What is not covered?

These events are not covered under your General Liability insurance policy:

  • 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

 

You may not be protected for specific events. The policy documents you have will give full details about what coverage is and what isn’t covered.

Professional Liability Insurance

Professional Liability insurance covers errors or omissions that result in the loss of funds for your client. Also, you are protected from third-party claims for professional negligence. Both meritless and true claims are protected by a Professional Liability policy, which is also sometimes sold as E&O insurance.

What are the most popular subjects that are covered?

Professional Liability insurance covers legal costs (including settlements and judgments) 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 are typically filed by customers who claim that your work has caused them a financial loss.

What isn’t usually covered?

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

  • Third-party bodily injury
  • Property belonging to a third-party that is damaged
  • Personal workplace injuries or workers’ comp claims

 

Refer to your policy wording for full details on what is and is not covered by the Professional Liability insurance.

Miscellaneous Medical Liability package for home health care professionals

Home Health Aides and home care agencies often require more than one kind of insurance to address various risks that could affect their businesses. BizInsure’s Miscellaneous Medical Liability Package includes a variety of insurances home care companies might consider. It includes General Liability and Professional Liability insurance, plus Cyber Liability insurance to help protect you against malware-related attacks as well as data breaches, among other events that could harm your business.

Who should be covered by insurance for home care?

There are many health professionals who might need home care insurance in Nebraska:

  • Home Health Aides – Subcontractors, independent contractors and sole proprietors might require insurance to safeguard themselves and their clients.
  • Home Healthcare Services – Secure your small business and your employees by buying insurance for home aide agencies.
  • Other Healthcare Practitioners – Physical therapists, carers, and other healthcare professionals may also be able to gain from having insurance for business.

 

Home Health Aides and agencies located in Nebraska can get General Liability and other insurance policies through BizInsure. Start a quote to compare policies in minutes!

What is the cost of home healthcare insurance in Nebraska?

There are many variables that can affect the cost of home healthcare insurance in Nebraska. Here are some of the factors involved when calculating business insurance:

  • Do you have the right qualifications and educational background – Have you been properly trained for your job? Do you have the right qualifications to work as an Nebraska healthcare provider?
  • The city, town or county that you live within – Health care providers based in cities like Northwest Nebraska are likely to charge more than those located in areas with less population.
  • A record of claims – A history of claims from the past could result in higher insurance rates.
  • The coverage level you require – The higher the premium usually mean more coverage. Customers may require you to provide minimum coverage.

Want to check out how much business insurance would cost for your home care business?

Compare quotes today from a variety of insurance companies so you can find a policy that suits your needs and budget.

Frequently Asked Questions (FAQs)

What are the risks home healthcare providers face in Nebraska?

Nebraska home healthcare providers offer top-quality healthcare for patients. There are unique risks associated with working in close proximity to other people at home. Luckily, insurance can help you deal with the majority of typical risks you could encounter.

  • General Liability Insurance – A patient falls and results in an appointment to the emergency room. Inadvertently, you knock over and damage a vase inside the patient’s house. These are two possible claim examples that you might encounter as a health care professional at home that General Liability insurance could assist with.
  • Professional liability insurance – The families of patients depend on your expertise and skills. If you fail to follow through with your care or you don’t live up to their expectations, you could face a negligence lawsuit or other professional liability claims.
  • Cyber liability insurance – Some sensitive patient information may be stored by home healthcare agencies. Cyber Liability insurance is available to assist you in recovering from a data breach, malicious attack or any other damage to your company.

BizInsure will help organizations and home health aides locate business insurance that can address the unique risks you face every day.

What are the home health care aide license requirements in Nebraska? How do I get a home health care license in Nebraska?

Nebraska has no requirements for licensing home health aides. There are however additional requirements you must be able to meet in order to be licensed in Nebraska.

If you work for a home health agency in Nebraska which is Medicare/Medicaid certified, you will need to:

  • Competency evaluation passed
  • Completing 75 hours of training
  • 16 hours of training in support for clinical practice

During your time at the agency, you’ll likely be receiving regular training.

To work as an Medicaid-certified independent health aid in Nebraska, you will need to:

  • You can enroll with the Nebraska Department of Jobs and Family Services
  • Conduct a background check at the state level
  • Get a background investigation from the FBI (if you’ve been living in the state less than five years).

You’ll want to safeguard your job and the business you have built after you’ve put in the effort to become a home health aide. Nebraska home healthcare insurance protects you from many common risks that you might encounter while working. It will give you more security and peace of mind, as well as safeguard your financial assets from costly lawsuits.

Learn more about home health care insurance in the states where you work.

Alaska
Delaware
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Illinois
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Kentucky
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Michigan
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Montana
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Rhode Island
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Texas
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