Insurance for Home Health Care Providers
Arkansas
- Compare quotes quickly and without obligation.
- Instantly receive confirmation of your coverage when you order online
- Access only top-quality insurance companies (A-rated or better)
Liability insurance for home care professionals and agencies
Home Health Aides offer the best possible care to their patients. No matter if your job is independent or as part a home healthcare agency you know how important it can be for patients to live in safety and comfort at their homes. Your support is crucial, but are you also supporting them?
BizInsure makes searching for insurance for Home Health Aides Arkansas simple. It doesn’t matter where you work, Arkansas insurance for home aide agencies is available.
Why should you become a home health aide in Arkansas?
Arkansas has a demand for home health aides. This could be the perfect way to get into the healthcare field and have a positive influence on patients in Arkansas.
According to the Bureau of Labor Statistics, there are approximately 17,290 home- and personal care aides working in Arkansas. Over the next few decades, this number will likely increase. The number of home health aids is expected to rise by 25% between 2021 and 2031. This is higher than the average growth rate for all occupations of 8%.
Arkansas’ average home health aide/personal caretaker earns $25,030 annually, or $12.04 an hour. Arkansas’s homecare assistants might earn more in larger cities than they do in rural or smaller towns. In Fayetteville, the average annual salary for personal and home care aides is $26,570 and Little Rock is $25,240 while $23,540 in Fort Smith.
Why do Arkansas home health care providers require insurance?
Home health aides work closely with the elderly and those with disabilities as well as the chronically ill. These patients will be able to live comfortably and safely at home with the help of your services. It could also lead to expensive lawsuits and liability claims.
Accidents can happen. In these cases, you may need compensation for a patient’s family member or friend. Lawsuits and claims are costly. This could cause financial problems and can even lead to the end of your career. Arkansas’s home care insurance can help caregivers like home health aides and home-based agencies to protect their financial health.
Did you know?
General Liability Insurance provides coverage for both legitimate and unfounded claims of third parties.
Arkansas Home Healthcare Business Insurance
Home health aides as well as other healthcare professionals might consider business insurance to provide protection while they are working.
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 covered?
General Liability insurance covers claims and lawsuits resulting from:
- Bodily injury of third party
- Third-party property damage
To be covered by your General Liability insurance, a claim does not have t to be true. It also covers third-party claims which are not substantiated. It can be very costly to resolve baseless claims. General Liability policies provide home health agencies and aids with more security as they care about their patients.
What is not normally covered?
Your General Liability policy will not cover:
- Personal workplace injuries and Workers’ Comp claims
- Property damage
- Intentional harm to the property or rights of another party
- Corrections and errors in your work
There might be other situations that aren’t covered by your General Liability insurance. Full details of what coverage you have will be found in your policy documents.
Professional Liability Insurance
A Professional Liability insurance policy (also known as Errors and Omissions or E&O insurance) is an essential policy that protects you and your company in case of a lawsuit due to alleged professional wrongdoing.
What is typical covered?
Professional Liability insurance covers legal expenses. This includes settlements and any judgments that might result.
- You may make mistakes or misspell words in your professional advice and services.
- Neglect allegations
- Services not delivered on time or missed deadlines
- Contracts breaches
These types liability claims are often brought by clients who claim your work has led to financial loss. Even if a claim is baseless, Professional Liability policies provide coverage.
What is not covered?
Some events that aren’t covered by Professional Liability insurance are:
- Third-party bodily injury
- Property belonging to a third-party may be damaged
- Personal workplace injuries or Workers’ Comp claims
For full details regarding Professional Liability, please refer the wording of your policy.
Miscellaneous Liability Package for Home Healthcare Providers
Home health aides, and home care agencies may require more than one type insurance to cover the risks they face. BizInsure offers a Miscellaneous Med Liability Package. This package combines most coverages home health care companies often look into. This includes General Liability and Professional Liability insurance. Cyber Liability is also included to protect you from malicious software, data breaches, or other unfortunate events that could affect your business.
Who may need home healthcare insurance in Arkansas?
Arkansas may have many healthcare professionals who need homecare insurance.
- House Health Aides – Individuals, subcontractors, or sole proprietors may require insurance to cover themselves and their patients.
- Home Healthcare agencies – Insurance for home health aid agencies can protect your small business and your staff.
- Other Healthcare Workers – Nurses, physical and occupational therapists are just a few of the professionals that could benefit from having business insurance.
BizInsure makes it easy for Arkansas-based home health care agencies to find General Liability and other insurance coverage. Start a quote to compare policies in minutes!
How much does Arkansas’s home healthcare insurance cost?
Arkansas’s home care insurance cost can differ from one individual to the next. This is due to the fact that every home health aide is different. Your insurance premiums will also be determined by your unique business.
Some factors that may be considered when calculating the premiums for business insurance policies include:
- Education and and qualifications – Are you licensed to work in Arkansas as a health care provider?
- Your city, town, or county is – Services provided by care providers in large cities such as Little Rock or Flagstaff are more expensive than those in smaller communities.
- Claims history – An evidence of past claims may lead to higher insurance premiums.
- Cover level – More coverage means more premiums. Clients may require that your coverage be maintained at a minimum level.
Comparing quotes from multiple insurers can help find home healthcare insurance that suits both your business and your financial situation.
Frequently Asked Questions (FAQs)
What are the potential risks for home healthcare providers in Arkansas?
Home healthcare providers in Arkansas 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 and agencies find business insurance to cover the unique risks they face every day.
What are the home health care license requirements in Arkansas?
In Arkansas, home health care aides are typically referred to as “home health aides” or “personal care aides.” The licensing and certification for home health aides in Arkansas are overseen by the Arkansas Department of Health (ADH) through its Division of Aging and Adult Services.
To become a licensed home health aide in Arkansas, you generally need to follow these steps:
- Education and Training: Complete a state-approved training program for home health aides. The program should cover topics such as personal care, safety, infection control, and communication skills. These programs are often offered by community colleges, vocational schools, or healthcare training institutes. Make sure to choose a program that is recognized by the ADH.
- Background Check: Undergo a criminal background check. This is a standard procedure to ensure the safety and well-being of patients.
- Certification: After completing the training program, you’ll need to pass a competency exam to obtain certification. The exam is usually administered by the ADH or an approved testing provider. Once you pass the exam, you’ll be eligible to apply for a home health aide license.
- Application: Submit an application for a home health aide license to the Arkansas Department of Health. The application form can be obtained from the ADH website or by contacting their offices directly. Along with the completed application, you may need to provide documentation such as your training program certificate, proof of identity, and any required fees.
- Renewal: Home health aide licenses in Arkansas are typically valid for a specific period, such as two years. To maintain your license, you’ll need to renew it before the expiration date. Renewal requirements may include completing continuing education units (CEUs) and fulfilling any other criteria established by the ADH.
Remember, it’s important to consult the official sources, such as the Arkansas Department of Health or the Division of Aging and Adult Services, to get the most accurate and up-to-date information regarding the specific requirements and procedures for obtaining a home health aide license in Arkansas.
