Insurance for Home Care Providers,
Businesses and Agencies

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Home Health Aide quotes

Home Health Agency quotes

Insurance for Home Health Aide        Insurance for Home Health Agency

Insurance for Home Care Providers, Businesses and Agencies

Insurance for professional Home Health Aides 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 should 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.

Why do home health care providers need insurance?

Even the most careful health professional can make a mistake, miscommunicate care instructions to others, or even become injured themselves. These events (and others) may lead to an expensive liability claim or lawsuit.

Without home health care insurance coverage, you would be responsible for paying legal fees resulting from a liability claim from your own pocket. This could be financially devastating to your business, particularly if you are ordered to pay a hefty judgement by the court. Worst-case scenarios could mean filing for bankruptcy, closing your business, or borrowing from your personal savings to pay these expenses.

Even false or baseless claims can be costly to defend against. Home health insurance covers you whether a claim made against you has merit or not, helping defend your professional reputation and keep your business up and running.

What risks do Home Health Care Providers face?

As a Home Health Care Provider, you help care for and assist patients in their own homes. Working with elderly or disabled patients can be challenging and unpredictable. This presents unique risks to you and your clients.

Home Health Aides face many types of risks in their line of work. These include, but are not limited to, mistakes or errors in their work; misunderstandings or miscommunications between themselves, patients, and patients’ families; injury to their patients; damaging a patient’s property; and claims of negligence.

Home health care insurance can help protect you, your business, and you employees from these risks and others.

Get your business covered with a comprehensive policy from BizInsure! We offer General Liability Insurance, Professional Liability Insurance, also known as Errors & Omissions insurance (E&O), Workers Compensation Insurance, and Business Owner’s Policy.

Did you Know?

General liability insurance can provide coverage nationally. Wherever in the U.S., you operate your business at, you will be protected by general liability.

Insurance for Home Health Care Provider

There are two major types of insurance protection that you may want to consider as a Home Health Aide: Professional Liability insurance and General Liability insurance. These two home health care insurance coverages help shield you from different 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 for Home Health Care Provider

Professional Liability insurance can protect professional service providers from potentially devastating financial damages resulting from alleged negligence or error in the delivery of your services. 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, you advise a patient to go for a short walk to keep active, however they trip and injure themselves doing so. They are claiming that you knew of 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 for Home Health Care Provider

General Liability coverage, also referred to as Commercial General Liability (CGL) or “slip and fall coverage”, can protect your business against bodily injury or property damage lawsuits from outside parties.

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.

 

Home health aide quotes

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 your business against claims of negligence, misrepresentation or mistake, as well as document or paperwork errors.

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. Your Professional Liability policy will help pay legal expenses incurred while defending your home health care business in court.

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 and falls as they enter the door. They may hold you responsible for their twisted ankle even if you posted warning signs. Your General Liability policy would pay the client’s medical bills resulting from their injury.

Cyber Insurance for Home Health Care Business

In today’s world, all systems are susceptible to cyber-attacks. Like most other business, your Home Health Business probably uses a computer system to keep track of your client’s details, services, and employees.

A cyber-attack could mean that your business information or even your client’s financial information is compromised. If you collect this type of information from your clients, it is the responsibility of your agency should something happen to it.

While you can’t always prevent a cyber-attack from happening, Cyber Liability insurance can help your agency deal with the fallout should one occur.

Home health agency quotes

How much does insurance for Home Health Care Providers cost?

Every Home Health Care Provider, Home Health Aide, and Home Health Agency is unique, despite all working in the same industry. Insurers take into account a variety of factors to calculate your premiums—the amount you will regularly pay for your home health care insurance coverage.

These factors may include:

  • The size of your business
  • How many people you employ
  • Employee qualifications and licenses
  • Where your business is located, or where you work
  • Your history of past claims
  • The amount of insurance coverage you need

Getting quotes from different insurers is a reliable way to understand how much you should expect to pay for home health care insurance that fits the specific needs of your small business. BizInsure can help you quickly receive and compare multiple quotes from multiple insurers in minutes, either online or over the phone.

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, and Cyber Liability insurance.

Home health agency quotes

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Trusted

Trusted by thousands of businesses nationwide.

The process was fast and easy and the professional staff was very knowledgeable with any questions that I had and ready to help
VALERIE M.
06:40 31 Mar 22
Friendly agents. Timely replies. Fair pricing. This is a good fit for my business! Thank you, Noah, for all your help.
Beth Anne V.
19:27 28 Mar 22
They are awesome
Tony H.
00:41 07 Jan 22
Noa made sure I had all the information I needed for a first time business owner . He helped me understand what I needed to secure a quality policy and he was super helpful when explaining how the policy would serve its purpose to my company. I was very satisfied and had an Awesome experience, I think people like that make the company look good!
Wayleen O.
04:36 15 Oct 21
I was in need of WC, GL and PL coverages for my business and was able to shop, discuss, confirm and purchase all the coverages in two days! This was a great experience, especially when "Time is Money". Noah Bowman was very professional and knowledgeable. Thanks!
AmeriCreed 1.
15:42 23 Sep 21
MOVING FORWARD, I WILL BE SENDING ALL OF MY BUSINESS TO THIS COMPANY !!!! Incredible customer service!!! Thanks
THEODORE W.
19:49 09 Sep 21
Their representative clearly explained different kinds of policies to help me select the one appropriate for my needs and then helped me enroll by phone painlessly. By the end of the call, I had a policy in place.
Dissent D.
22:21 02 Sep 21
Eugene was Awesome!!!!
Lakesha G
17:19 21 Jul 21
Excellent solution for writers and authors professional liability policy as well as coverage for copyright and trademark infringement. Service was prompt and excellent.
Lane
18:22 22 Jun 21
Done in less than an hour!
William O.
00:30 02 Jun 21
Efficient, and great value. The agent was able to give us a quote and a new policy in a short period of time. Thank you
Brenda J.
20:30 24 May 21
I had a great experiencing obtaining several of my insurance needs as a landscaping company here in Northern Colorado. BizInsure's team took care of my needs and was very responsive to help with paperwork needed to secure a potential client account!
Arik S.
16:34 10 May 21
Very efficient they were able to help me out with my request promptly....highly recommend this companyI am very happy to have them
Elba P.
18:50 26 Apr 21
I need a help getting errors and omissions insurance along with general liability. Jose was very friendly informative and was very patient with me during the process. He found me some of the best rates for the coverage that I needed. Highly recommend
Casper M.
19:51 20 Apr 21
I had numerous conversations with several business insurance agents over a month's time. I also had several conversations confirming the policy inclusion/exclusions and asked many questions. My BizInsure agent was professional, knowledgeable and most important—detail oriented. Even after having an initial conversation a month earlier he knew and *remembered* all my personal/professional insurance needs. When I asked for additional information on the third call he was able to provide me with details very quickly. He was also VERY patient. That is a big plus in my opinion. It illustrated a high level of respect for my needs. I also found when I called back and asked to talk with the initial agent, the person who answered the call was able to get in contact quickly and my agent responded and returned the call within 5-10 minutes. The transaction was smooth, and I think it's a good sign should I ever need to make a claim. I highly recommend BizInsure.
Poetic F.
21:00 07 Apr 21
The rep was extremely helpful actually lowered my quote and made sure I was covered to fit my needs with my growing business! 5star!!
Franklin B.
19:04 16 Mar 21
Excellent service and prices.
Cassiopée V L.
23:13 09 Mar 21
Mr. Daniel Scott was very responsive to my professional needs.
Stephanie W.
17:38 18 Feb 21
Eugene deserves a raise! First time purchasing insurance and he made the process so simple for me. His patience and attention to detail left me feeling confident in my decision to choose BizInsure. Gracias Eugene!
Esined P.
23:32 17 Feb 21
The customer service provided by Jose was outstanding. He explained everything in a very clear/logical way and answered all of my questions. After providing all the information to obtain general liability insurance, Jose sent me the declaration page of the insurance for review. All of the information matched what I provided over the phone and there were no typos. The next day I called back to purchase the insurance which was easy and fast. Overall, my experience with BizInsure including the customer service by Jose exceeded my expectations.
Joe W.
03:29 12 Dec 20
Hiscox/BizInsure made getting Liability Insurance very easy and reasonable.I expected it to be a long and complicated process and it was a nice surprise that they made it so uncomplicated. Thank you. Lisa
Lisa W.
21:51 24 Nov 20
Eugene was incredible. I called 4 other brokers before him who were impossible to get any help.
rhonda H.
23:26 12 Nov 20
Very quick to get in touch with you and good with follow up. Had some trouble retrieving my quote to log into my account initially but Daniel assisted me and the changes were made to get me into my account. Great value for the money.
Fran S.
16:34 20 Sep 20
Very happy to be insured with this company. Professional, Timely, very helpful. Thank you Juan, you made it so much easier for me to understand.
Aileen D.
19:55 15 Sep 20
This company responded when I needed them to respond while facing a deadline. They are an excellent choice for business Insurance.
Michele H.
01:52 12 Sep 20
Jose Quintero took such great care of me and was very patient explained everything I did not understand and got me set up quickly. Fabulous customer service
Christina R.
02:41 27 Aug 20
I can't say enough good things about Daniel Santos kind and effective communication skills as an insurance agent. Daniel was so pleasant, friendly and efficient with helping me obtain insurance as a teacher. If I were to give Daniel a grade, he has earned an At . He made the process easy to understand, it was far easier than what I anticipated. Nancy S.
Nancy S.
00:47 26 Aug 20
I was in need of professional liability insurance for my sole proprietorship. A friend referred me. Everythng was quick and simple and AFFORDABLE!
hope J.
20:31 25 Aug 20
If you need Private Home Care Provider insurance for your company, BizInsure, LLC can get it for you!
Pamela C.
16:45 24 Aug 20
Great and fast service!!!! The representative was very professional!!!!
Tanya S.
19:51 14 Jul 20
I was tryi9ng to find commercial liability insurance for my new comp-any and BizInsure was easy to use and very affordable which is great for me as a new business.
Jimmy S.
19:01 14 Jul 20
Great service insurance prices are great for professionals looking to get insurance for businesses....
Rhonda G.
22:34 22 Jun 20
The provided very professional service and made the process easy.
Paul R.
21:51 04 Jun 20
Bradley Hoyle from the Biz Insure team was excellent to work with. Everything was quick and smooth. Great service, much appreciated!
Kristene S.
02:03 04 Jun 20
Anthony Spencer was great!! Very quick response time!! He was very Professional! I would suggest him because he helped me find a affordable rate and explained all the technicalities..
Fre H.
16:38 28 May 20
I was referred to Bizinsure by a industry trade group that I am a member of. It was easy to get a quote online and then received excellent customer service from Bradley H. to complete my policy purchase over the phone. I have shared this company information now with other business owners for their policy needs.
Dawn T.
22:11 08 May 20
This company was very precise with explaining services and made sure I chose the right business insurance coverage, great customer service at purchasing.
Nekeisha B.
01:30 05 May 20
Amazing
Jasmine Q
14:31 02 Dec 19
Trish is the most patient, professional and understanding insurance agent I’ve ever worked with. Trish has taken care of all my business insurance needs for the last couple years. I am really happy that I found an insurance agent that I know will take care of me & all of my concerns. I feel like a valued customer & I appreciate the great customer service that I get every time!!THANK YOU!
Dr. Youssef C. A.
17:21 14 Nov 18
Tricia helped me get insurance for my business. The task of obtaining a quote was really starting to frustrate me until I was referred to BizInsure through a different agency. Tricia got me a quote fast, and even took a down payment over the phone and issued the proof of insurance the same day. a+ service, would do it again in a heartbeat!! Thank you!!
Josh M.
18:07 22 Jun 18
BizInsure was a great find! I did not have to fill out applications, and Tricia was able to quote and bind business insurance for me within half an hour.
Allison Y.
17:28 21 Jun 18
Started doing business again and needed a policy fast. Ramez was reasonable, helpful and the rates are OK. Buyer beware? Sure, for me it turned out OK this time. Worth a call.
Mark W.
23:42 13 Nov 17
Great customer service. I've been very inpressed with my dedicated representative that had helped me navegate my insurence needs. Thanks so much!
Graham B.
22:12 23 Jun 17
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