Home healthcare and caregiver insurance
in New Hampshire
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Insurance for Home Health Aides and Businesses in New Hampshire
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 is your supporter?
BizInsure makes insurance easy for New Hampshire 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 Concord or Portsmouth.
Why should you become a home health aide in NH?
New Hampshire is home to many Home Health Aide positions. This is a great way for you to begin a career in healthcare and have a positive effect on the The Granite State’s patients.
According to the Bureau of Labor Statistics in New Hampshire, there are 7,850 home care aides and personal care aides. This number is expected to rise over the next few years. Between 2021-2031, the number of home health aides is expected to increase by 25%.
New Hampshire’s average personal care assistant and home health aide earns $30,690 per year or $14.76 per hour. New Hampshire’s home care aides may earn more in large cities than in smaller towns or rural areas. The average annual salary for personal and home care aides in Manchester and in Nashua is $31,010, and $35,050 respectively.
Why do home health care providers need insurance in NH?
Home health aides provide assistance to the elderly, chronically ill, and those with disabilities. Your services will allow these patients to live safely and comfortably at home. It could also lead to costly liability claims and lawsuits.
Accidents do occur, and you might be liable for paying compensation to 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. New Hampshire offers home care insurance that helps home health aides, agencies and other care providers to protect their finances.
Did you know?
General Liability insurance provides coverage for both actual and unfounded claims of third parties.
New Hampshire 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 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.
General Liability insurance can also be known as Commercial General Liability (CGL) or “slip & fall” coverage.
What is covered?
General Liability insurance offers coverage for lawsuits or claims that have been caused by:
- Injury to the third-parties
- Third-party property loss
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. Baseless claims can prove costly to resolve. General Liability insurance provides greater financial protection for home health aides, agencies, and other professionals who 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
- Errors and 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
A Professional Liability insurance policy (also known as Errors and Omissions or E&O insurance) is an essential policy that protects you and your health aide business in case of a lawsuit due to alleged professional wrongdoing.
Professional Liability insurance is also available as E&O insurance.
What is typically covered?
Professional Liability insurance protects against legal expenses such as settlements or judgments, that can result from:
- Errors, mistakes or omissions in your professional services or advice
- Allegations of negligence
- Undelivered services or missed deadlines
- Breaches of contract
Clients typically bring these types of liability claims against you when they claim your work caused them financial loss. Even if the case against you is unfounded, Professional Liability policies provide coverage.
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 for more details about Professional Liability insurance.
Miscellaneous Medical Liability Package for Home Care Providers
Home health aides, and home care agencies may need to have multiple types insurance in order to manage different risks. BizInsure also offers a Miscellaneous Medical Liability Package which includes common coverages that home healthcare businesses are likely to consider. This includes General Liability and Professional Liability insurance. Cyber Liability insurance is also included to protect your business from data breaches and malicious software attacks.
Who needs home health care insurance in NH?
New Hampshire’s healthcare professionals 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 healthcare agencies.
- Other Healthcare professionals – Business insurance may also be beneficial for nurses, physical therapists, and caregivers.
BizInsure provides insurance coverage that covers New Hampshire’s home health aides and agencies. Start a quote to compare policies in minutes!
How much does home healthcare insurance cost in New Hampshire?
Home care insurance costs in New Hampshire may vary depending on who you are. Because each home healthcare professional is different, insurance premiums for your business will differ.
A few of the factors that go into calculating business insurance premiums could include:
- Do you have the right education and qualifications to perform your job? Are you licensed as a New Hampshire health care provider?
- The town, county or city you reside in. Healthcare providers based outside of cities like Dayton, Columbus or Dayton will typically 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 may require minimum coverage.
How much does business insurance cost? Comparing quotes from more than 1 insurer can help to find the right home healthcare business insurance.
Frequently Asked Questions (FAQs)
What are the risks for New Hampshire's home-care providers?
New Hampshire’s home healthcare providers are highly qualified and 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– When a patient slips or falls, they need to be taken to the emergency department. While visiting a patient’s home, you accidentally drop and break an expensive vase. These are just two possible claims that General Liability insurance could help with.
- Professional Liability insurance – Your knowledge and skill are important to patients and their families. 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.
What are the home health care license requirements in New Hampshire?
In New Hampshire, home health care aides are typically referred to as Licensed Nursing Assistants (LNAs). To become a Licensed Nursing Assistant in New Hampshire, you need to meet certain requirements and follow these steps:
- Education: Complete a state-approved nursing assistant training program. The program must consist of at least 75 hours of instruction, which includes both classroom and clinical training.
- Criminal Background Check: Undergo a criminal background check. This is a standard requirement for healthcare-related professions to ensure patient safety.
- Competency Evaluation: Pass a competency evaluation test. The evaluation typically includes a written portion as well as a skills demonstration where you’ll be assessed on your ability to perform various tasks required of a home health care aide.
- Application: Submit an application to the New Hampshire Board of Nursing. The application will require you to provide personal information, details of your education and training program, and any relevant work experience.
- Fees: Pay the required fees associated with the application process. These fees may vary, so it’s best to check with the Board of Nursing for the current fee schedule.
- Licensing: Once your application is approved, you will be issued a Licensed Nursing Assistant (LNA) license in New Hampshire. This license will allow you to work as a home health care aide.
It’s important to note that New Hampshire’s licensing requirements may change, so it’s advisable to visit the official website of the New Hampshire Board of Nursing or contact them directly to get the most up-to-date and accurate information regarding the specific requirements and procedures for obtaining a home health care license (LNA) in the state.
Additionally, it’s worth mentioning that some home health care agencies or employers may have additional requirements or preferences when hiring home health care aides. It can be beneficial to inquire with potential employers about their specific hiring criteria or any additional certifications they may require.
Learn more about home health care insurance in the states where you work.
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