Insurance for Home Care Providers and Agencies
- From $45/m for home health aides
- From $51/m for home health agencies
- Compare quotes in minutes, with no obligation to buy
- Buy online and receive coverage confirmation – instantly
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Protect your Home Health Care Business
Insurance for professional home care providers is part of a successful home health aide career. It can make the difference between keeping your agency open or closing because of a costly claim.
Whether you are an independent home health care provider or running an agency, you should consider home health care insurance.
Miscellaneous Medical Liability Package for Home Care Services
A Miscellaneous Medical Liability package includes General Liability, Professional Liability and Cyber Liability insurance, providing convenient coverage at a competitive rate.
BizInsure offers Miscellaneous Medical Liability insurance for your home health care business. These tailored packages are designed especially for home health aides, skilled nursing professionals and other home care providers.
How much does insurance for home health aides cost?
Every home health aide and home health care business is unique, despite working in the same industry. Home health aides and agencies pay an average cost of $45 and $51 per month or about $540 and $620 annually. Of course, insurers consider a range of factors to decide your premiums—the amount you will regularly pay for your home health care coverage.
- The size of your business
- How many people you employ
- Employee qualifications and licenses
- Your business location or where you work
- Your history of past claims
- The amount of insurance coverage you need
Why do home health aides need insurance?
Even the most careful carer can make a mistake, miscommunicate care instructions, or injure themselves on the job.
Liability insurance for healthcare providers provides financial protection for your business. Policies can help cover claims arising from your daily activities as a homecare professional, including malpractice accusations and false or baseless legal action.
Who needs home care insurance?
Home health aide liability insurance helps protect a wide range of home care businesses:
- Home health aides
- Companion care providers
- Skilled nursing care professionals (such as RNs and CNAs)
- Personal care assistants
- Home health agency
- Hospice
- Nursing homes
- And more!
BizInsure offers tailored packages for your home care business to help you access convenient coverage for your business.
What risks do home health care businesses face?
As a Home Health Care Provider, you help care for and assist patients in their homes. You may often work with elderly or disabled patients, which can be challenging and unpredictable. This presents unique risks to you and your clients.
Home care professionals face many types of risks in their line of work. These include but are not limited to:
- Mistakes or errors in their work
- Misunderstandings between themselves, patients, and patients’ families
- Patient injury
- Damaging a patient’s property
- Negligence claims
Home health care insurance can help protect you, your business, and your employees from these and other everyday risks.
Get your business covered with BizInsure! We offer General Liability insurance, Professional Liability insurance (Errors & Omissions insurance (E&O)), Workers’ Compensation insurance, and Business Owner’s Policy.
Did you know?
General Liability insurance can provide coverage nationally, so you’re protected no matter where you work in the U.S.
Insurance for Home Health Aides and Agencies
There are two major types of HHA liability insurance you can consider as a Home Health Aide or for a home care agency: Professional Liability insurance and General Liability insurance. These two insurance coverages help shield you from several types of claims. You can think of them as two sides of one coin that go hand in hand to help protect you and your clients.
Professional Liability insurance
Professional Liability insurance can protect professional service providers from potentially devastating financial damages resulting from alleged negligence, malpractice, or error in the delivery of your services. Policies cover your costs in a lawsuit, which include the cost of an attorney and paying awarded settlements.
For example*, you advise a patient to go for a short walk to keep active. However, they trip and injure themselves during the walk. The family claims that you knew the client had a physical impairment and want you to pay for their medical bills. Your Professional Liability coverage protects you from that financial burden.
General Liability insurance
General Liability coverage, also referred to as Commercial General Liability (CGL) or “slip and fall coverage,” can protect home care professionals and agencies against bodily injury or property damage lawsuits from outside parties.
For example*, you knock over an antique vase at a client’s home. It was an accident, but the client asked you to replace the vase. Your General Liability coverage is there to cover you.
Cyber Liability insurance
Like most other businesses, your home health agency probably uses a computer system to keep track of your client’s details, services, and employees. A cyberattack could compromise your business or your client’s financial details, patient records, and more.
While you can’t always prevent a cyberattack from happening, Cyber Liability insurance can help your agency deal with the fallout should one occur.
Learn more about home health care insurance in the states where you work.
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