New Mexico Caregiver and
Home Health Business Insurance

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Home Health Aide quotes

Home Health Agency quotes

Home Health Aide Insurance in New Mexico

Home Health Aides provide the highest quality of care to their patients. Whether you work independently or as part of a home healthcare agency, you understand how important it is for patients to be able to live comfortably in their own homes. While it is essential to help others, you also to consider support for yourself as well.

This is where BizInsure can help by making it simple and easy for Home Health Professionals in New Mexico to compare insurance quotes online and purchase insurance that will reduce the risks to their small business. Insurance options are available for home-health aid agencies across every state, so no matter which state you reside in or work in, whether it’s Roswell or Cleveland or Deming or Taos, Farmington can help you reduce your risk via Home Health Care insurance

Why you may consider becoming an New Mexico home health worker?

Home Health Aides are in high demand across every US state, including New Mexico. This could be an excellent way to get into healthcare and improve the lives of patients in New Mexico.

According to the Bureau of Labor Statistics, New Mexico has 33,680 personal care aides and home health aides. In the next few years, this number will likely increase. The number of home health aides in the country is expected to grow 25% between 2021-2031. This is faster than the average growth rate for all occupations of 8%.

New Mexico home health aides and personal caregivers earn an average annual salary in the range of $25,120 to $12.08 an hour. New Mexico home health aides might earn more in larger cities than in rural areas or smaller metropolitan areas. The average annual salary for personal and home care aides in Albuquerque is $26,330, and Santa Fe’s is $26,870.

Why is insurance essential for New Mexico home care providers?

Home Health Aides at home are able to work with individuals who are disabled, elderly or chronically sick. Your services aid these patients to live in safety and in the comfort at their homes. You could be sued or face expensive liability if you don’t reduce your risk with.

Accidents are bound to happen, and you might be required to compensate the patient or their family members. It can be costly to file lawsuits or an insurance claim. This could quickly drain your bank accounts and even end your career. New Mexico offers home care insurance which assists aids in home health care, home-health agencies, and other care providers to protect their financial security.

Did you know?

General Liability insurance provides coverage for both actual and unfounded claims of third parties.

New Mexico Home Healthcare Business Insurance

Home Health Aides and other healthcare professionals, often look into various kinds of insurance for businesses to protect themselves as they perform their job.

General Liability Insurance

General Liability insurance protects businesses from third-party claims for injury or property damage. Your policy covers legal costs as well as the costs of resolving the issue (up to the limits of your policy). The protections are available for meritorious claims as well as those with no merit. General Liability insurance can be referred to as Commercial General Liability (CGL), “slip and falls” coverage.

What topics are covered the most frequently?

General Liability insurance provides coverage for lawsuits and claims triggered by:

  • Injuries to third parties; and
  • Third-party property damage.

 

For your General Liability insurance to safeguard you, a claim doesn’t have to be true. It also protects third-party claims that have no merit. These claims can be difficult to settle. Home health agencies and aides can feel more secure knowing their financial security is covered by a General Liability policy.

What isn’t included?

These events are not covered under your General Liability policy:

  • Personal workplace injuries, workers’ compensation claims.
  • Property damage.
  • Intentional damage to property by third parties.
  • Mistakes and errors in your work.

 

There may be other events that are not covered by your General Liability insurance that aren’t included in this list. Complete details about coverage will be provided in your policy documents.

Professional Liability Insurance

Professional Liability insurance covers mistakes or omissions in your work which cause the client to lose funds. You are also protected against third-party claims arising from professional negligence. It covers legitimate as well as valid claims. Professional Liability insurance can be sold under the name of E&O (E&O) insurance.

What is typically covered?

Professional Liability insurance protects against legal costs such as settlements or judgments.

  • Errors, mistakes or omissions in your professional advice or advice.
  • Allegations of negligence.
  • Services not delivered or deadlines missed.
  • Breaches of contract.

 

These kinds of claims usually come from customers who claim that your actions resulted in financial losses for them. Even if the claim against you is not baseless Professional Liability insurance policies can provide protection

What is not normally included?

These events are not covered under Professional Liability insurance:

  • Injury to the third-party.
  • Damage to a third party’s property.
  • Workers’ comp or personal workplace injury.

 

Check the policy wording to learn more about Professional Liability insurance.

Miscellaneous Medical Liability package to cover home health care professionals

Home health aides and home care agencies might require a variety of insurance to meet different risks. BizInsure provides a Miscellaneous Medical Liability package that combines common coverages that home health care businesses often consider. It includes General Liability as well as Professional Liability insurance. Cyber Liability is also included to protect your company from cyber-attacks, data breaches, and other threats.

Who should be covered by insurance for home care?

New Mexico is home to a variety of health experts.

  • Home Health Aides, independent contractors, subcontractors and sole proprietors might require insurance to safeguard themselves and their patients.
  • Home Healthcare Agencies can protect their small business as well as their employees by insuring home health aide agencies.
  • Other Healthcare Professionals – Nurses, physical therapists and carers are some of the healthcare professionals who may also benefit from having insurance for business.

How much does New Mexico’s Home Healthcare Insurance cost?

There are many factors that can affect the cost of New Mexico home health insurance. This is because every home health aide differs. Your insurance premiums will also depend on your company’s unique structure.

Some of these factors may be used in the calculation of business insurance premiums.

  • Your education and qualifications – Are you properly educated to perform your job? Are you able to work in New Mexico as a healthcare provider?
  • The county, city or town you live in – Care providers located in cities with larger populations like Albuquerque or Santa Fe are likely to charge more than those based in smaller areas.
  • Past claims history – This could lead to higher insurance rates for the future.
  • The coverage you require – Higher premiums are usually connected with greater coverage. You may be required to maintain minimum levels of coverage by clients.

Are you interested in knowing how much business insurance costs? Comparing quotes from more than one insurer can help to locate a home health insurance policy that suits you and your budget.

Frequently Asked Questions (FAQs)

What are the risks for home-care professionals in New Mexico?

Ohio home health care providers in Ohio are highly qualified and offer exceptional customer care. But, working closely with other people in their own homes could pose particular dangers. Insurance can help you to manage the most common risks that you might encounter.

  • If the patient falls or slips and falls, they must be transported to an emergency department. While visiting a patient’s home, you accidentally drop and break a costly vase. Two instances of claims General Liability Insurance can assist with as a home-health aide.
  • The ability to provide insurance for professional liability is a key factor in the lives of patients and their families. You may be subject to an action for professional liability if your care is not up-to-standard or you make a mistake.
  • Cyber Liability insurance – Certain sensitive patient data could be kept by home healthcare agencies. Cyber Liability insurance is available to assist you in recovering from a data breach, malicious attack or any other harm to your company.

BizInsure is an online destination that helps home health agencies and aides find business insurance to cover the risks that they face every day.

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

New Mexico doesn’t require licenses for home care assistants. However, you must still meet other conditions in order to work in New Mexico.

You will be required to be certified when you work for a Medicare/Medicaid certified New Mexico home healthcare agency and meet the following requirements:

  • Competency evaluation passed;
  • Complete 75 hours; and
  • Take 16 hours of support for clinical training.

While working at an agency, you’ll likely receive regular training. To become a Medicaid-certified independent healthcare aid you need to:

  • Register for registration with the New Mexico Department of Jobs and Family Services.
  • Get a background check for your state.
  • Request a background check from the FBI If you haven’t resided in the state for longer than five years.

After you’ve put in the work required to become a home health aide, you’ll likely want to protect your career and the business you are building. New Mexico’s business insurance for home health aides will cover you against a variety of dangers you could face while on the job. It can provide you with more security and peace of mind, as well as protect your finances from expensive lawsuits.

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BizInsure has really come through for me on some really hard to place risks. Andrew takes the time to understand the risk and work through how we can make it work, rather than looking for ways to say no. Thank you for your help!
Carlos T.
18:06 16 Mar 23
Very helpful and explanatory on the policy line of the policy
Josua V.
17:30 14 Mar 23
Worked with Tevin. Amazing customer service. Was very patient with me in figuring out the best insurance coverage for business. Thanks Tevin for making it easy.
Faisal O.
16:23 14 Mar 23
No complaints, Always a fast response when a need arises.
Dan F.
13:56 10 Mar 23
Very good information patience was shown. Much help from Kaled, satisfied with the amount of insurance and good coverage. Affordable is what you need with starting a small business until you grow. Old saying is go as you grow.
Jacquelynn W.
21:53 20 Jan 23
Professionals at what they do! easy to navigate and very good people to lead to to the best coverage!
Magnifier 2.
20:37 17 Jan 23
I have been shopping for business liability insurance for several months. I am happy to share that BizInsure ranked #1! The representatives were polite, patient, and empathetic. They accomplished what most companies struggle with achieving: they did what they said they were going to do, they were on time, and they had empathy. They delivered a policy for 25% less than the closest competetor, and even included $50k of cyber security at no additional cost! I only write reviews when I receive exceptional experiences- highly revommended; keep up the great service BizInsure!P.S. I own a professional referral service in Hawai'i and I am going to see if BizInsure offers an affiliate program.Aloha!
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05:51 23 Nov 22
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23:55 09 Nov 22
The agent that I spoke to was very experienced and could tell that I was new at this and was very understanding and took the time to explain everything to me.
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00:04 15 Oct 22
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19:20 11 Sep 22
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23:09 15 Aug 22
For a small non-profit, the package I was given was affordable. The representative was polite, patient, understanding, and knowledgeable.
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18:06 15 Aug 22
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17:02 01 Aug 22
The process was fast and easy and the professional staff was very knowledgeable with any questions that I had and ready to help
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06:40 31 Mar 22
Friendly agents. Timely replies. Fair pricing. This is a good fit for my business! Thank you, Noah, for all your help.
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19:27 28 Mar 22
They are awesome
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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
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!
AmeriCreed 1.
15:42 23 Sep 21
MOVING FORWARD, I WILL BE SENDING ALL OF MY BUSINESS TO THIS COMPANY !!!! Incredible customer service!!! Thanks
THEODORE W.
19:49 09 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.
Dissent D.
22:21 02 Sep 21
Eugene was Awesome!!!!
Lakesha G
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.
Lane
18:22 22 Jun 21
Done in less than an hour!
William O.
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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20:30 24 May 21
I had a great experiencing obtaining several of my insurance needs as a landscaping company here in Northern Colorado. BizInsure's team took care of my needs and was very responsive to help with paperwork needed to secure a potential client account!
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Very efficient they were able to help me out with my request promptly....highly recommend this companyI am very happy to have them
Elba P.
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.
Poetic F.
21:00 07 Apr 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!!
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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.
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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
Lisa W.
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rhonda H.
23:26 12 Nov 20
Very quick to get in touch with you and good with follow up. Had some trouble retrieving my quote to log into my account initially but Daniel assisted me and the changes were made to get me into my account. Great value for the money.
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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
I can't say enough good things about Daniel Santos kind and effective communication skills as an insurance agent. Daniel was so pleasant, friendly and efficient with helping me obtain insurance as a teacher. If I were to give Daniel a grade, he has earned an At . He made the process easy to understand, it was far easier than what I anticipated. Nancy S.
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
Great and fast service!!!! The representative was very professional!!!!
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19:51 14 Jul 20
I was tryi9ng to find commercial liability insurance for my new comp-any and BizInsure was easy to use and very affordable which is great for me as a new business.
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19:01 14 Jul 20
Great service insurance prices are great for professionals looking to get insurance for businesses....
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22:34 22 Jun 20
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21:51 04 Jun 20
Bradley Hoyle from the Biz Insure team was excellent to work with. Everything was quick and smooth. Great service, much appreciated!
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02:03 04 Jun 20
Anthony Spencer was great!! Very quick response time!! He was very Professional! I would suggest him because he helped me find a affordable rate and explained all the technicalities..
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.
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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.
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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
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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