Home Health Care Providers Insurance
in California

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Home Health Aide quotes

Home Health Agency quotes

California Home Health Aides and Agency Insurance

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 California 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 California, from Sans Fransisco to Los Angeles to Sand Diego to San Jose.

Why should you become a home health aide in California?

In California, 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 California.

According to data from 2022, the Bureau of Labor Statistics, California has just over 773,350 personal and home care aides. This number will likely increase over the next few years. The country’s total number of home health aides is expected to increase by 25% between 2020 and 2030. This is much faster than the average growth rate for all occupations of 8%.

California home health aides and personal caregivers earn an average salary of $31,740 annually or $15.26 an hour. California home health aides earn more in large cities than rural areas or smaller metropolitan areas. The average annual salaries for home health and personal care aides in San Jose and San Francisco-Oakland-Hayward are $32,390 and $35,290, respectively.

Why do California home health care providers need insurance?

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. California home care insurance helps caregivers and home health aides to protect their finances.

Did you know?

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

California 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

Also known as Errors and Omissions (E&O) insurance, this type of policy protects your business against claims of negligence, misrepresentations, or mistakes. Professional Liability claims are typically made by clients who allege some form of financial damage as a result of your services, products or employees. The policy covers both meritless and true claims.

What is typically 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 health aides and agencies 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 care liability insurance in California?

California 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 business and 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 California home health aides and agencies find liability insurance. Start a quote to compare policies in minutes!

How much does home healthcare insurance cost in California?

Costs for California 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:

  • Education and qualifications – Are you well-trained to do the job? Are you licensed to practice as a California healthcare provider?
  • The county, city or town you live in – Care providers based in larger cities like San Francisco or Napa will likely charge more than those based in smaller areas.
  • A history of claims – Having a record of past claims can lead to higher premiums.
  • The coverage you require – 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 carriers can help you find the right home healthcare insurance for your business.

Frequently Asked Questions (FAQs)

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

Home healthcare professionals in California 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 in California find business insurance to cover the unique risks they face every day.

What are the home health care license requirements in California?

As of September 2021, California does not have a specific “home health care aide” license. However, there are regulations and requirements for becoming a Certified Home Health Aide (CHHA) or a Home Health Aide (HHA) in the state. Please note that licensing requirements may have changed since then, so it’s essential to consult the California Department of Public Health or other relevant authorities for the most up-to-date information.

To become a Certified Home Health Aide (CHHA) or a Home Health Aide (HHA) in California, you typically need to follow these steps:

  1. Complete a Training Program: Enroll in a state-approved training program for home health aides. These programs are often offered by community colleges, vocational schools, and other healthcare training institutions. The training usually covers topics such as personal care, safety, infection control, and basic medical procedures. The program duration can vary but is generally around 120 hours.
  2. Criminal Background Check: Undergo a criminal background check, including fingerprinting, which is required for certification.
  3. Pass a Competency Exam: Successfully pass a competency exam administered by the California Department of Public Health. This exam evaluates your knowledge and skills in providing home health care services.
  4. Apply for Certification: Submit an application for certification as a Home Health Aide to the California Department of Public Health. The application should include documentation of your completed training program and the results of your competency exam.
  5. Maintain Certification: Once you obtain certification, you need to maintain it by renewing it periodically. In California, the certification renewal period is usually every two years. Renewal requirements may include completing continuing education credits and providing proof of employment or work experience.

It’s crucial to note that the specific requirements and procedures may vary, and it’s essential to contact the California Department of Public Health or the appropriate licensing authority for the most accurate and up-to-date information. They can provide you with detailed information on the requirements, application process, and any additional steps necessary to obtain a home health care license in California.

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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