Insurance for Home Health Care Providers
Arizona

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Home Health Aide quotes

Home Health Agency quotes

Liability insurance for Home Health Care Professionals in Arizona

Home health aides provide high-quality care for their patients. You understand the importance of people being able to live in their own homes, whether you are working alone or with a team. It is important to support others, but who are you supporting?

BizInsure makes it easy for Arizona Home Health Aides to get insurance that protects their small business. Insurance for home health aide agencies can be found no matter where you are located in Arizona, from Tucson to Sedona to Mesa to Phoenix.

Why should you become a home health aide in Arizona?

In Arizona, home health aides are in high demand. This could be an excellent way to get into healthcare and make a difference in the lives of patients in the Copper State.
According to the Bureau of Labor Statistics there are roughly 66,750 home and personal care aides in Arizona. This number will rise over the next few decades. Between 2021-2031, 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 Arizona home health aide/personal caregiver earns $29,440 per year, or $14.16 per hour. Arizona’s homecare assistants may earn more in bigger cities than in smaller towns or rural areas. The average annual salary for personal and home care aides in Flagstaff is $30,270, in Phoenix-Mesa-Scottsdale $29,600 and $28,680 in Tucson.

Why do home health care providers need insurance in Arizona?

Home health aides are able to work with the elderly, disabled, and chronically ill. These patients can live comfortably and safely in their own homes thanks to the services you offer. You could be sued or subject to costly liability.

Accidents can happen and you might need to compensate the patient or their families. These lawsuits and claims can be costly. These lawsuits can quickly drain your finances and could even endanger your career. Arizona home care insurance helps caregivers and home health agencies protect their finances.

Did you know?

General Liability insurance covers both unfounded and real claims by third parties.

Arizona Home Healthcare Business Insurance

Many types of business insurance are available to help home health aides or other healthcare professionals as they work.

General Liability Insurance

Also referred to as Commercial General Liability (CGL) or “slip and fall coverage”, this insurance can protect your business against bodily injury or property damage lawsuits from outside parties.

What is typically covered

General Liability insurance covers lawsuits and claims that are a result of:

  • Bodily injury to third parties
  • Property damage by third parties

Your General Liability policy does not have to cover a claim. It covers third-party claims without merit. It can be costly to resolve baseless claims. Home health agencies and aides can feel more secure knowing their finances are covered with a General Liability policy.

What is not usually covered?

The following events are not covered by your General Liability policy:

  • Workers’ compensation claims and personal workplace injuries
  • Property damage
  • Intentional damage to property of third parties
  • You can make mistakes or errors in your work

You may not be covered for certain events. You will find the complete coverage details in your policy documents.

Professional Liability Insurance

Professional Liability, otherwise known as E&O insurance, protects your business against claims of negligence, misrepresentation or mistake, as well as document or paperwork errors.

What is covered?

Professional Liability insurance pays for legal expenses that may result from:

  • In your professional advice or services, there may be errors, mistakes, or omissions
  • Negligence allegations
  • Services not delivered or deadlines missed
  • Contract breaches

Clients often bring these types of claims against you claiming that their work has resulted in financial loss. Even if the claim against you is not baseless, Professional Liability insurance policies will provide coverage.

What is not usually covered?

These events are not covered under Professional Liability Insurance:

  • Bodily injury to third parties
  • Property of a third party may be damaged
  • Workers’ compensation claims or personal workplace injuries

Refer to your policy text for complete details about what Professional Liability insurance covers.

Miscellaneous Medical Liability Package For Home Health Care Providers

Home care agencies and home health aides often require multiple types of insurance to cover different risks. BizInsure has a Miscellaneous Liability Package, which combines the most common coverages home care agencies often need. This package includes Professional Liability and General Liability insurance. Cyber Liability helps protect against data breaches, malicious software attacks and other potential threats to your business.

Who needs home health insurance in Arizona?

Arizona has many healthcare professionals that might require home care insurance.

  • Home Healthcare Aides – Individual contractors, subcontractors, and sole proprietors might need insurance to protect themselves and their patients.
  • Home Healthcare Agency – Protect your small business, and your employees, with insurance for home healthcare agencies.
  • Other Healthcare Pros – There are many healthcare professionals that may benefit from business insurance, including nurses, physical therapists and carers.

BizInsure can help Arizona home health aides and agencies find suitable liability insurance. Start a quote to compare policies in minutes!

How much does home healthcare insurance cost in Arizona?

Costs for Arizona home care insurance can vary widely from one person to another. Because every home healthcare provider is unique, your insurance premiums will vary.

Some factors that are used to calculate premiums for business insurance include:

  • Your education and qualifications – Are you well-trained to do the job? Are you licensed to practice as a Arizona healthcare provider?
  • The county, city or town you live in – Care providers based in larger cities like Flagstaff  or Phoenix will likely charge more than those based in smaller areas.
  • Claims history – Having a record of past claims can lead to higher premiums.
  • Coverage level – Higher premiums are usually associated with more coverage. Clients may require that you maintain minimum coverage.

Do you want to know how much business insurance costs? Comparing quotes from multiple insurance carriers can help you find the right insurance for your home care business.

Frequently Asked Questions (FAQs)

What are the potential risks for home healthcare providers in Arizona?

Home healthcare providers in Arizona provide excellent care to their patients. Working so closely with other people in their homes can pose unique risks. Insurance can help you to manage the most common risks that you might face.

  • General Liability insurance – A patient falls and slips, which requires a trip to an emergency room. Inadvertently, you knock over and break a vase in the patient’s house. These are two examples of claims that General Liability Insurance can assist with as a home-health aide.
  • Professional Liability insurance – Patients and their families depend on your skills and knowledge. You could be sued for negligence if you make mistakes in your care, or if you fail to live up the patient’s expectations.
  • Cyber Liability insurance – Some sensitive patient information may be stored by home healthcare agencies. Cyber Liability insurance is available to help you recover from a data breach, malicious attack or any other damage to your business.

BizInsure helps home health aides a agencies find business insurance to cover the unique risks they face every day.

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

In Arizona, home health care aides are commonly referred to as “Certified Nursing Assistants” (CNAs) and are regulated by the Arizona State Board of Nursing (AZBN). To become a licensed CNA in Arizona, you must:

  1. Complete an approved CNA training program: You must complete a state-approved CNA training program, which typically lasts for around 120 hours, including both classroom instruction and clinical experience. The program should be accredited by the Arizona State Board of Nursing.
  2. Pass the competency exam: After completing the CNA training program, you must pass a competency exam, which consists of a written test and a practical skills evaluation. The exam is designed to assess your knowledge and skills in areas such as communication, infection control, safety, and hygiene.
  3. Obtain fingerprint clearance: Before you can apply for your CNA license, you must obtain fingerprint clearance from the Arizona Department of Public Safety.
  4. Submit a license application: Once you have completed your CNA training program, passed the competency exam, and obtained fingerprint clearance, you can apply for your CNA license with the AZBN.
  5. Renew your license: Your CNA license must be renewed every two years. To renew your license, you must complete at least 20 hours of continuing education during each renewal period.

It’s worth noting that while the above requirements apply to becoming a licensed CNA in Arizona, they may not be the same for becoming a home health care aide. If you are looking to become a home health care aide specifically, you may want to reach out to the Arizona Department of Health Services or a similar agency to determine the specific requirements for that role.

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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