Home Health Care Insurance in Nebraska

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Home Health Aide quotes

Home Health Agency quotes

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, from Bellevue to Beatrice to Blair.

Why should you 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 2022 data, Nebraska has around 9,730 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 $30,070. These workers make an average hourly wage of $14.46. The average salary of personal and home care aides working in Lincoln and Omaha are $27,900 and 27,930.

Why do home health care providers need insurance in Nebraska?

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 is typically 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 is typically 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 needs home health care insurance in Nebraska?

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 in Nebraska can get liability insurance policies through BizInsure. Start a quote to compare policies in minutes!

How much does home healthcare insurance cost 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:

  • 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.
  • Claims history – A history of claims from the past could result in higher insurance rates.
  • Coverage level – 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 multiple of insurance companies so you can find a policy that suits your needs and budget.

Frequently Asked Questions (FAQs)

What are the risks for 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 can help home health professionals and businesses obtain business insurance to cover the unique risks you face every day.

What are the home health care aide license requirements in Nebraska?

You must obtain a license from the Nebraska Department of Health and Human Services to start, run or keep a home health agency in the state.

To become licensed, you will need to apply and allow the Department to inspect your home health agency. They will determine if your agency meets the state’s standards for patient care and treatment and issue a license.

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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