Insurance for Home Health Care Providers
in Pennsylvania

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Home Health Aide quotes

Home Health Agency quotes

Home Health Care Insurance in Pennsylvania

Home Health Aides and other professional home health care providers give their patients the highest quality of care. You support the health and wellbeing of the elderly, the chronically ill, and those with disabilities, allowing them to safely live in their own homes. But while you’re working hard caring for others, who is caring for you?

BizInsure helps home health aides in Pennsylvania find insurance to help protect their bank account and professional reputation while they are working. Whether you are based in Philadelphia, Pittsburg, or any of Pennsylvania’s beautiful cities and towns, BizInsure can help you find insurance designed for home health care professionals.

Why become a Home Health Aide in Pennsylvania?

Home Health Aides and Personal Care Aides are in high demand in Pennsylvania. This may be an excellent way to begin your career in healthcare and contribute to the wellbeing of patients across the Keystone State.

According to the most recent Bureau of Labor Statistics data, there are just over 197,000 home health aides and personal care aides working in Pennsylvania as of 2020. The national outlook for home health aides is expected to grow by 33% between 2020 and 2030—much faster than the 8% average growth rate for all occupations.

Within Pennsylvania, home health and personal care aides are likely to enjoy high rates of employment and have plenty of job opportunities to choose from. Pennsylvania is one of the top five states in the U.S. for employment of home health and personal care aides.

Pennsylvania home health aides and personal care aides have an average annual salary of $26,510. This is slightly less than the national median of $27,080. Home health and personal care aides typically make the most in large metropolitan areas. For example, the average annual salary for these workers in Philadelphia and Allentown are $32,880 and 28,350 respectively. In contrast, those working in the same role in non-metro areas of Southern Pennsylvania make an average annual income of $24,220.

Why do home health care providers need insurance?

As a home health care provider, you work closely with patients and their families every day. Helping patients live safely and with dignity in their own homes can be a rewarding experience, but it also creates the opportunity for risk. Insurance can help you manage accidents and other events that could lead to expensive claims or lawsuits.

Small accidents can sometimes make a big impact in a patient’s life. If you are found liable, you could be forced to compensate them or their family for their financial losses. This could be devastating for your bank account and your career.  Home care business insurance in Pennsylvania helps home health aides, care providers, and agencies protect their financial assets and professional reputation.

Did you know?

Subcontractors may be required to maintain their own General Liability insurance policy. This requirement, as well as coverage minimums that the client may set, are typically included in a business contract.

Home Health Care Insurance in Pennsylvania

There are many types of home health aide liability insurance that you may want to consider to help protect you on the job.

General Liability Insurance

Sometimes referred to as “slip and fall” coverage, General Liability insurance protects home health care providers against third-party claims of bodily injury or property damage. Your policy covers legal expenses resulting from a claim or lawsuit, as well as your cost to compensate the outside party for their loss (up to the limits of liability). General Liability insurance provides cover for allegations that are meritless, as well as those that are based in fact.

What is typically covered?

General Liability insurance typically covers claims and lawsuits caused by:

  • Bodily injury sustained by a third party
  • Property damage suffered by a third party

 

Importantly, General Liability policies also cover meritless claims brought by third parties. Baseless allegations can be expensive to defend yourself against and have the potential to be financially devastating. A General Liability policy can provide home health aides and other home healthcare providers with peace of mind as they work.

What is not typically covered?

General Liability insurance typically does not cover events including, but limited to:

  • 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

Professional Liability Insurance

Also known as Errors & Omissions insurance, Professional Liability policies protect home healthcare providers against claims or lawsuits resulting from errors, mistakes or omissions in your work, and allegations of professional negligence. This type of policy usually provides coverage for meritless claims, as well as those that are based in fact.

What is typically covered?

Professional Liability insurance typically provides protections against claims of:

  • Error, mistake, or omission in the services you provide
  • Negligence
  • Undelivered services
  • Missed deadlines
  • Contract breach

 

Your Professional Liability insurance policy will cover legal expenses, such as hiring an attorney and other court costs, related to a relevant claim. It will also pay settlements and judgements resulting from these claims, up to the policy’s limits. A claim does not need to be true for it to be covered by your Professional Liability, as most also cover baseless claims that may be made against you.

What is not typically covered?

Professional Liability insurance does not cover events such as (but not limited to):

  • Bodily injury sustained by a third party
  • Damage to a third party’s property
  • Personal workplace injuries or workers’ comp claims

Miscellaneous Medical Liability Package for Home Health Care Providers

Home health aides and home care agencies may seek multiple forms of insurance to help protect themselves and their small business. BizInsure offers a Miscellaneous Medical Liability Package for home health care providers that addresses many of risks you may face in this line of work. The package includes General Liability and Professional Liability insurance, as well as Cyber Liability to protect you against malicious software attacks, data breaches, phishing, and viruses.

Who needs home health care insurance?

There are many healthcare professionals who may benefit from having home health care insurance in Pennsylvania.

  • Home Health Aide liability insurances – Subcontractors working for agencies or other healthcare entities may need their own liability insurance policies to supplement those held by their employer.
  • Home Care Business Insurance in Pennsylvania – Sole proprietors often seek coverage to protect both their small business and personal income from costly claims and lawsuits.
  • Insurance for a Home Care Agency in Pennsylvania – Home healthcare agencies may need insurance coverage to protect their business and its employees.

 

Ready to compare General Liability and other insurance policies for home healthcare professionals? BizInsure can help you find, compare, and buy business insurance online in just minutes!

How much does home health care insurance cost in Pennsylvania?

The cost of home health care insurance will vary from one individual or business to the next. Insurers use a variety of factors to calculate your insurance risk and how much you will pay for your policies.

Premiums for home care business insurance in Pennsylvania may be based on factors such as:

  • Education & qualifications of the insured, including professional licenses you or your employees may hold.
  • Geographic location where you work. A home health care provider in a large city, such as Philadelphia, is likely to pay more than a provider in suburban or rural areas.
  • History of past claims, which can impact how much you’ll pay for insurance in the future.
  • Coverage amount you need or want. You will likely pay higher premiums for higher levels of insurance coverage.

Comparing quotes from multiple insurers can help you find policies to meet your small business’ needs at a price you can afford. BizInsure makes it easy to compare and buy home health care insurance in Pennsylvania.

Frequently Asked Questions (FAQs)

Is insurance legally required for Home Health Care Providers in Pennsylvania?

Home health aide (HHA) requirements in Pennsylvania do not include an insurance mandate for sole proprietors and subcontractors. Agencies and business with employees must have Workers’ Compensation insurance.

However, there are times when General Liability insurance may be required for HHAs. Commercial landlords often require proof of insurance before leasing their premises. If you work as a subcontractor, your employer may require you to have your own policy while you work with them.

Even if you are not required to have General Liability or other types of home health aide liability insurance, these policies could still be beneficial. Expensive claims and lawsuits can quickly drain your business and personal accounts. Insurance can help protect you financially, so you can have more peace of mind as you work.

How much insurance coverage do I need?

Insurance needs are very individual, and the amount of coverage you maintain will depend on your personal professional circumstances. Home health care providers may consider the number of patients they work with, the number of home health aides on staff, and the qualifications you or your employees hold. Where you work may also play a part, as HHAs in large cities like Philadelphia are likely to pay more for insurance than those working in the suburbs or rural parts of the state.

How long does it take to complete home healthcare training?

Home health aides in Pennsylvania must complete a minimum of 75 hours of home healthcare training, including 16 hours of clinical training. Once your training is complete, you will also need to pass criminal background checks and child abuse clearances. If you will be working directly with patients, you will also need to pass a TB screening.

Once you’ve put in the hard work of completing your home healthcare training and other requirements for working in the state, it makes sense to protect the career and business you are building. Home care business insurance in Pennsylvania provides coverage against common risks that home health aides often face on the job. It can shield your finances from the potentially devastating costs associated with liability claims and lawsuits.

Related: Home Health Aide Training, Class & Certificates

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.
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