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Insurance for Home Care Providers, Businesses and Agencies
Insurance for professional Home Health Aide is an underpinning to a successful career as a care provider. Whether you are a Home Health Care Provider working as an independent contractor or running your own agency, you need to consider Home Health Care Insurance.
Home Health Care Provider and Home Health Care Business insurance is important because it can make the difference between keeping your agency open or having to close because of a costly claim that has arisen due to an accident or error.
Insurance for Home Health Care Provider
For individuals providing Home Health Aide, there are two major types of insurance protection. They are known as Professional Liability insurance and General Liability insurance. The two coverages protect you from different types of claims. You can think of them as two sides of one coin – they go hand in hand. That’s why you should consider having both types of insurances to create a combined level of coverage to protect you and your clients.
Professional Liability Insurance for Home Health Care Provider
Professional Liability Insurance protects you from claims or accidents arising from the scope of your professional duties like acts of negligence. If you get sued, this insurance can pay your legal costs, which includes the cost of an attorney and a settlement if one is awarded.
For example, one of your clients said you added peanuts to their Asian noodle soup dinner and caused them to have an allergic reaction. They are claiming you should have known of the allergy and want you to pay for their medical bills. Your professional liability coverage protects you from that financial burden.
General Liability Insurance for Home Health Care Provider
General Liability coverage protects you from claims involving bodily injury or property damage that is not related to your professional duties. It is for “general” liabilities such as slip and fall accidents.
For example, while at a client’s home you accidentally knock over an antique vase. It was an accident, but you are asked to replace the vase. Your General Liability coverage is there to cover you.
Miscellaneous Medical Liability Package for Home Health Care Provider
BizInsure offers Miscellaneous Medical Liability for Home Health Aides. The package includes General Liability, Professional Liability and Cyber Liability insurance. It provides good coverage at a great price.
Insurance for Home Health Care Business
Home Health Agencies must have appropriate insurance protection as well. Proper insurance makes sure that your agency can recover from mistakes or claims and can continue to provide a valuable service for your clients.
Professional Liability Insurance for Home Health Care Business
Professional Liability insurance for Home Health Care Business protects you from claims of negligence or damage that arise from your professional duties and dealings.
For example, one of your clients claims that an employee of your agency administered the incorrect medication at a recent visit. The client had a reaction and had to seek medical attention. Now the client is suing your agency.
General Liability Insurance for Home Health Care Business
As a Home Health Agency, you must also have coverage for claims and accidents that arise from activities and operations that are not related to your professional services. For these risks, there is General Liability coverage. General Liability insurance is your basic insurance coverage and may even be required by a landlord or other business partner.
General Liability protects your agency from claims that may arise in the normal course of operations. For example, a client visits your office on a rainy day and slips over as they enter the door. They may hold you responsible for their twisted ankle even if you posted warning signs.
Cyber Insurance for Home Health Care Business
Like most other business, your Home Health Business probably uses a computer system to keep track of your client’s details, services, and employees. In today’s world, all systems are susceptible to cyber-attacks.
A cyber-attack could mean your business information or even your client’s financial information is hacked. If you collect such information from your clients, it is the responsibility of your agency should something happen to it.
While you can’t prevent a cycler attack from happening, cyber liability insurance can help your agency deal with the fallout should one occur.
A Package Designed for Your Profession
BizInsure offers Miscellaneous Medical Liability Package designed specifically for Home Health Care Professionals. The package includes General Liability, Professional Liability as well as Cyber Liability insurance.