Insurance for Home Care Providers and Agencies
- Flexible insurance for home care businesses and agencies
- Customized policies for providers
- Instant quotes and fast coverage confirmation
Protect your Home Health Care Business
As more Americans age, demand for home health services continues to rise. By 2030, more than 71.6 million people in the United States will be over 65, increasing the need for in home medical care. Since 2012, BizInsure has helped home care providers, nurses, and home health agencies find insurance tailored to their industry, with coverage for injury, property damage, negligence, and other common risks from A-rated insurers.
Protect yourself, your business, and your employees with a 24/7 portable liability package designed for home health professionals and providers.
Our home health care liability insurance covers:
- Legal defense costs, including settlements or court expenses.
- Accidental injury to any person in your care, such as a fall during mobility assistance.
- Negligence, such as giving incorrect assistance or missing important care instructions.
- Property damage, to a client’s home or belongings.
- Abuse Allegations: including claims of physical or sexual misconduct, even if the allegations are unproven.
- Needlestick coverage, for Registered Nurses administering services they are licensed to perform in their state.
- Includes medication administration, covers if it is a Registered Nurse performing services they’re licensed to in their state
- Hired & Non-Owned Auto
- Regulatory proceedings
- Medical Billing E&O
- Vicarious liability
- Loss of personal information
- First aid coverage
Why do home health care providers need insurance?
Even the most careful carer can make a mistake, miscommunicate care instructions, or injure themselves on the job.
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, including:
- 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 provides cover for claims arising from your daily activities, including malpractice accusations and legal action, whether or not you are at fault.
Who we cover
BizInsure understands the needs of home health care businesses and offers customized packages for a range of home care providers, including:
- Home health aides
- Home health care / In-home healthcare providers
- Hospice
- Skilled nursing care professionals (such as RNs and CNAs)
- Personal care assistants
- Companion care providers
- Home health agency
- Unskilled / ADL providers
- Nursing homes
- Occupational therapist
Home Health Care Business Insurance
BizInsure offers the Professional + General Liability Package policy made specifically for your home care business. These tailored packages are designed especially for home health aides, skilled nursing professionals and other home health providers.
Protects homecare agencies and home health aides from claims caused by errors, omissions, or mistakes in their work; breach of contract; and libel or slander.
Highlights
- Negligence or misconduct in daily care responsibilities
- Breach of duty, such as failure to deliver services promised
Coverage levels:
- Up to $1 million per occurrence
- Up to $3 million in the aggregate
Protects against third-party claims of bodily injury or property damage. A General Liability policy is generally required to lease office or clinical space for your business.
Coverage levels:
- Up to $1 million per occurrence
- Up to $3 million in the aggregate
Sexual and Physical Misconduct coverage
Helps home healthcare staff manage accusations of abuse & sexual misconduct.
Coverage levels:
- Up to $100,000 per occurrence
- Up to $300,000 in the aggregate
Cyber Breach Response Services coverage
Cyber breach response insurance helps caregivers and healthcare professionals notify clients if their information is accessed in a data breach.
Coverage levels:
- Up to 25,000 notified individuals in the aggregate
- Up to $100,000 in the aggregate
How much does home health care business insurance cost?
The cost of insurance for home health care providers depends on the type of care business you run and the level of coverage you choose.
Home health aides can get insurance starting from around $45 per month with BizInsure. Home health care agencies can access coverage from about $51 per month.
Every home health care provider, home health aide, and home health agency has different risks. This means pricing can vary across businesses, even within the same industry.
Insurers set premiums based on several factors, including:
- size of your business
- number of employees or contractors
- coverage limits you choose
- claims history
A larger agency with more staff or higher coverage needs will usually pay more than a sole operator.
The easiest way to understand your insurance costs for home health care providers is to compare multiple quotes. BizInsure lets you review options side by side so you can see what fits your business and budget.
What is the difference between “per occurrence” and “aggregate” liability limits?
Per-occurrence and aggregate limits both refer to the maximum payout of an insurance policy, but in different settings.
Per-occurrence limits are the maximum amount a policy will pay for any one incident or claim. Aggregate limits are the maximum amount that will be paid over the duration of the policy.
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