Insurance for Home Health Care Providers
in Alabama
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Alabama Home Healthcare Insurance
Home Health Aides offer the best quality care to their patients. You know the importance of helping people live in their own home, no matter whether you work as a freelancer or part of a larger agency that provides home healthcare. You can give support to others but who is your supporter?
BizInsure makes insurance easy for Alabama Home Health Aides to protect their small businesses. There are insurance options for home-health aide agencies in every state, so no matter where you live, whether it’s Auburn or Huntsville or Montgomery or Dothan.
Why should you become a home health aide in Alabama?
Alabama is home to many Home Health Aide positions. This could be a great way for you to begin a career in healthcare and have a positive effect on the Cotton State’s patients.
According to the Bureau of Labor Statistics there are around 19,770 home and personal care aides in Alabama. This number will rise over the next few decades. Between 2021 and 2030, the number of home health aides is expected to increase by 25%. This is more than the average growth rate of all occupations, which is 8%.
The average salary for a home health aide/personal caregiver in Alabama is $21,650 per year, or $10.41 per hour. Alabama’s homecare assistants may earn more in bigger cities than in smaller towns or rural areas. For example, average salary for home and personal care aides in Birmingham-Hoover and Columbus is $22,410 and $23,520, while they earn $21,730 and $20,640 in Huntsville and Montgomery respectively.
Why do home health care providers need insurance in Alabama?
Home health aides provide assistance to the elderly, chronically ill, and those with disabilities. These patients are able to live in safety and comfort in their own home thanks to your services. You may also be subject to costly liability claims and lawsuits.
Accidents happen. You may have to pay for the medical bills of a patient or their loved ones. The cost of lawsuits and claims is high. This can quickly deplete your bank account and even threaten your career. Alabama offers home care insurance that helps home health aides, agencies, and other care providers to protect their finances.
Did you know?
General Liability insurance covers third party claims, both actual and unfounded.
Alabama Home Healthcare Business Insurance
Home health aides and other healthcare professionals may consider a variety of business insurance to cover them while they work.
General Liability Insurance
Your General Liability insurance can protect you against any claim by an outside party regarding injury or damage to their property. In these instances, your policy will cover your legal expenses as well as your cost to replace or remedy the situation up to the limits of liability.
What is usually covered?
General Liability insurance offers coverage for claims and lawsuits that have been caused by:
- Injury to the third-party
- Property damage from third parties
For your General Liability Policy to protect you, a claim doesn’t have to be true. It also covers third parties who make claims without merit. It is often costly to settle baseless claims. A General Liability policy offers home health aides or agencies more peace of mind when they care for their patients.
What is not covered?
These events will not be covered by your General Liability policy
- Personal workplace injuries, workers’ comp claims
- You can cause damage to your property
- Intentional destruction of property belonging to third parties
- We make errors and mistakes in our work
Other events may not be covered by your General Liability Insurance. Complete details about coverage will be provided in your policy documents.
Professional Liability Insurance
Professional Liability insurance, also known as E&O insurance protects you from claims raised due to unintentional mistakes made in the professional capacity.
What is usually covered?
Professional Liability insurance protects against legal expenses such as settlements or judgments.
- There may be mistakes, errors or omissions in the professional services or advice you provide.
- Negligence accusations
- Missed deadlines or services not delivered
- Contract breaches
Clients usually bring these claims to claim that you caused financial loss through your work. Professional Liability insurance policies cover you even if a case against you is unfounded.
What is not usually covered?
There are some events that are not covered by Professional Liability insurance.
- Injury to the third-party
- Property damage to third party
- Personal workplace injuries, workers’ compensation claims
Refer to your policy wording to find out more about Professional Liability insurance.
Miscellaneous Medical Insurance Package for Home Care Providers
Home health aides and agencies providing home care often need to have multiple types insurance in order to manage different risks. BizInsure also offers a Miscellaneous Legal Liability Package which includes common coverages that home healthcare businesses are likely to consider. This package provides coverage for General Liability, Professional Liability, as well as Cyber Liability, which helps to protect your business from data breaches, malware attacks, and other threats.
Who may need home health care insurance in Alabama?
Alabama’s healthcare professionals may need home care insurance.
- Home Health Aides – Independent contractors, subcontractors or sole proprietors may have to be covered for their employees and patients.
- Home Healthcare Services – Protect your small company and your employees by purchasing insurance for home aide agencies.
- Other Healthcare professionals – Business insurance may also be beneficial for nurses, physical therapists, and caregivers.
BizInsure provides customized insurance for home health aides and agencies in Oregon. Start a quote to compare policies in minutes!
How much does Home Healthcare Insurance cost in Alabama?
Home care insurance costs in Alabama may vary. This is because each home healthcare professional is unique and will impact the premiums you pay.
Some of these factors may be used in calculating business insurance premiums.
- Education and qualifications – Do you have the right licenses to practice in Alabama as a healthcare provider?
- Location – Healthcare providers based within cities, such Columbus, Birmingham-Hoover or other large metropolitan areas, are likely to charge more than those located in smaller towns and counties.
- Claims history – This could result in higher insurance premiums for the future.
- Cover level – Higher coverage often means higher premiums. Clients may require minimum coverage.
How much does business insurance cost? Comparing quotes from multiple insurance companies can help to find the home healthcare insurance that best suits your needs and budget.
Frequently Asked Questions (FAQs)
What are the potential risks for home care providers in Alabama?
Home healthcare providers in Alabama provide quality care. But, it can be risky to work so closely with people at their home. Insurance can help manage many of your most common risks.
General Liability Insurance – If a patient slips and falls while in your home, you will need to go to the emergency room. While visiting a patient’s home, you accidentally drop and break an expensive vase. These are two possible claims that you could encounter as a Home Health Aide. General Liability insurance is available to help.
Professional Liability Insurance – Patients and their families are dependent on your knowledge and skill. You may be subject to a professional liability lawsuit if your care is not up-to-standard or you make a mistake.
Cyber Liability Insurance – Healthcare agencies can store sensitive patient information. Cyber Liability insurance can be helpful if you are the victim of a data leak or another malicious attack.
BizInsure can help home health aides and professionals to find business insurance to cover the unique risks they face.
What are the home health care aide license requirements in Alabama?
In Alabama, home health care aides are referred to as Certified Nursing Assistants (CNAs), and they are regulated by the Alabama Department of Public Health. To become a licensed CNA in Alabama, you must complete a state-approved training program and pass a competency exam.
Here are the steps to get a home health care license in Alabama:
- Complete a state-approved CNA training program: Alabama requires at least 75 hours of training, which includes both classroom instruction and clinical practice.
- Pass the CNA competency exam: After completing the training program, you must pass the CNA competency exam, which consists of a written test and a skills test. The exam is administered by Pearson VUE.
- Apply for certification: Once you pass the competency exam, you can apply for certification with the Alabama Department of Public Health. You will need to submit an application, along with proof of completion of the training program and passing the exam.
- Complete a criminal background check: Alabama requires all CNAs to undergo a criminal background check. You will need to provide fingerprints and pay a fee for the background check.
- Maintain your certification: To maintain your CNA certification in Alabama, you must renew it every two years and complete 24 hours of continuing education during each renewal period.
In addition to the above steps, home health care agencies may have additional requirements for their aides, such as specific training or certifications. It’s important to check with your potential employer to ensure that you meet all of their requirements as well.
