Insurance for Home Healthcare Providers
in Florida

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Home Health Aide quotes

Home Health Agency quotes

Florida Home Care and Health Professionals Insurance

Home Health Aides offer the highest quality care to their patients. You, whether you work alone or in a home healthcare agency as a Home Health Aide, understand how important it can be for patients to be able live safely at their homes. You can give support to others but who will be supporting you?

BizInsure makes insurance easy for Florida Home Health Aides to find small-business protection. There are insurance options for home-health aide agencies in every state, so no matter where you live, whether it’s Jacksonville or Miami or Tampa.

Why would you want to become a Florida home health aide?

Florida is home to many Home Health Aide positions. If you are interested in a career within healthcare, this is the perfect way to begin your career and have a positive influence on patients across Florida.

According to the Bureau of Labor Statistics in Florida, there are roughly 66,920 home health aides and personal care aides. This number is expected to rise over the next few years. Between 2021 and 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 Florida home health aide or personal care assistant makes $26,390 per year, or $12.69 an hr. Florida’s home care aides may earn more in large cities than in smaller towns or rural areas. The average annual salary of personal and home care aides is $27,230 in Jacksonville and $29,990 in Cape Coral-Fort Myers.

Why do health care providers need insurance in Florida?

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 homes by the services that you provide. It could also lead to costly lawsuits and liability claims.

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 could cause financial problems and even lead to the end of your career. Florida offers home care insurance that helps home health care aides, home-health agencies, and other care providers to protect their financial health.

Did you know?

General Liability insurance provides coverage for both actual and unfounded claims of third parties.

Florida 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

General Liability insurance protects businesses and their property from third-party injury and property damage claims. Your policy covers legal fees and costs to remedy the situation up to the policy limit. These protections can be applied to both valid claims and invalid ones. General Liability insurance can also come in the form of Commercial General Liability, CGL or “slip & fall” coverage.

What is typically covered?

General Liability insurance provides coverage for:

  • Injury to third-parties
  • Third-party property damage

For your General Liability Policy to protect you, a claim doesn’t have to be true. It also covers third parties who make claims that are not merited. Baseless claims can prove costly to resolve. Home health aides and agencies can have greater peace of minds knowing that they are financially protected with a General Liability policy.

What is not covered?

These events will not be covered by your General Liability policy

  • 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

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 protects you against any mistakes or omissions of your work that could cause financial loss to your client. It also covers you against third-party claims of professional negligence. Both meritless and true claims will be covered by a policy. Professional Liability insurance can also be known as E&O insurance.

What is typically covered?

Professional Liability insurance protects against legal expenses such as settlements or judgments.

  • Errors, mistakes or omissions in your professional services or advice
  • Allegations of negligence
  • Undelivered services or missed deadlines
  • Breaches of contract

These types of liability claims usually come from clients who claim your work caused them financial loss. Professional Liability policies cover you even if a claim is unfounded.

What is not covered?

There are some events that are not covered by Professional Liability insurance.

  • Third-party bodily injury
  • Damage to a third party’s property
  • Personal workplace injuries or workers’ comp claims

Refer to your policy wording to find out more about Professional Liability insurance.

Miscellaneous Medical Liability Package for Home Care Providers

Home health aides, and home care agencies may need multiple types of insurance to meet different risks. BizInsure also offers a Miscellaneous Medical Liability Package which includes common coverages that home-care businesses may need. This includes General Liability and Professional Liability insurance. Cyber Liability insurance is also included to protect your business from data breaches, malware attacks, and other threats.

Who needs home health care insurance in Florida?

Healthcare professionals in Florida may need home care insurance.

  • Home Health Aide – Insurance may be required to protect independent contractors, subcontractors, or sole proprietors.
  • Home Healthcare Services – Protect your business and employees with insurance for your home health aide agencies.
  • Other Healthcare professionals – Business insurance may also be beneficial for nurses, physical therapists, and caregivers.

BizInsure offers insurance coverage that covers home health aides and agencies in Florida. Start a quote to compare policies in minutes!

How much does Home Healthcare Insurance cost in Florida?

Home care insurance costs in Florida may vary depending on who you are. Because every home health aide is different, the cost of Florida home care insurance can vary. Your premiums will also be determined by your business’s unique structure.

Some of these factors may be used to determine business insurance premiums:

  • Education and qualifications – Are you eligible to work in Florida as a health care provider?
  • The town, county or city you reside in – Healthcare providers based within cities such as Cape Coral or Jacksonville.are likely to charge more than those located in less populous areas.
  • Past claims history – This could result in higher insurance premiums for the future.
  • The amount you might need – Higher coverage often means higher premiums. Clients might require minimum coverage.

How much does business insurance cost? Comparing quotes from multiple insurer can help to find home healthcare insurance that suits both your business and your budget.

Frequently Asked Questions (FAQs)

What are the risks for Florida home health care providers?

Florida home healthcare providers are highly qualified and offer excellent patient 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 – When a patient slips or falls, they need to be taken to the emergency room. While visiting a patient’s house, you accidentally drop and break an expensive vase. These are just two types of claims General Liability insurance could help with.
  • Professional Liability Insurance – Patients and their families are dependent on your knowledge and skill. A negligence lawsuit or any other professional liability claim could be brought against you if your care is not up to standard.
  • 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 agencies to find business insurance that addresses the unique risks you face every day.

What are the home health care license requirements in Florida?

n Florida, home health care aides are often referred to as Certified Nursing Assistants (CNAs). To become a CNA in Florida, you generally need to complete a state-approved training program and pass a competency examination. Here is an overview of the typical steps involved:

  1. Training Program: Enroll in a state-approved CNA training program in Florida. These programs are offered by various educational institutions, community colleges, vocational schools, and even some healthcare facilities. The training usually consists of both classroom instruction and hands-on clinical experience.
  2. Background Check: Complete a background check, including fingerprinting. This is typically required for all healthcare-related professions in Florida to ensure patient safety.
  3. Competency Examination: After completing the training program, you must pass a competency examination to become a certified CNA in Florida. The exam includes a written portion and a skills demonstration. The Florida Department of Health (DOH) contracts with a testing organization called Prometric to administer the competency exam.
  4. Application: Once you have successfully passed the competency exam, you can submit an application for certification to the Florida DOH. The application usually requires providing your personal information, documentation of training completion, exam results, and payment of the required fees.

It’s important to note that specific requirements and procedures may vary, so it’s recommended to visit the Florida Department of Health’s website or contact their office directly for the most accurate and current information. They can provide you with the latest details regarding licensing requirements, application forms, fees, and any additional steps that may be necessary.

Remember to stay updated with any changes in the regulations or requirements as you go through the process of obtaining a home health care aide license in Florida.

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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