Insurance for Home Health Care Providers
in New York

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Home Health Aide quotes

Home Health Agency quotes

Business Insurance for Home Health Aides Agencies in NY

Home health aides provide high-quality care for their patients. You understand the importance of people being able to live in their own homes, whether you are working alone or with a team. It is important to support others, but who is supporting you?

BizInsure makes it easy for New York Home Health Aides to get insurance that protects their small business. Insurance for home health aide agencies can be found no matter where you are located in New York, from Yonkers to Binghamton to Windham to Amenia.

Why should you consider becoming a home health professional in NY?

In New York, home health aides are in high demand. This could be an excellent way to get into healthcare and make a difference in the lives of patients in New Work.

According to the Bureau of Labor Statistics, there are approximately 478,620 personal care aides and home health aides in New York. In the next few years, this number will likely increase. The number of home health aides in the country is expected to grow 25% between 2021-2031. This is faster than the average growth rate for all occupations of 8%.

in New York, home health aide and personal care assistant earns $33,520 annually or $16.11 an hour. The average annual salary for personal and home care aides in Rochester and in Buffalo and are $31,540, and $31,110 respectively.

Why do health care providers need insurance in New York?

Home health aides are able to work with the elderly, disabled, and chronically ill. These patients can live comfortably and safely in their own homes thanks to the services you offer. You could be sued or subject to costly liability.

Accidents can happen and you might need to compensate the patient or their families. These lawsuits and claims can be costly. These lawsuits can quickly drain your finances and could even endanger your career. New York home care insurance helps caregivers and home health agencies protect their finances.

Did you know?

General Liability insurance covers both unfounded and real claims by third parties.

New York Home Healthcare Business Insurance

Many types of business insurance are available to help home health aides or other healthcare professionals as they work.

General Liability Insurance

Also referred to as Commercial General Liability (CGL) or “slip and fall coverage”, this insurance can protect your business against bodily injury or property damage lawsuits from outside parties. Your policy covers legal costs and the cost of resolving the problem (up to the policy limits). These protections are available for both claims that have merit and those without merit.

What is typically covered?

General Liability insurance covers lawsuits and claims that are a result of:

  • Bodily injury to third parties
  • Property damage to third parties

Your General Liability policy covers third-party claims without merit. It can be costly to resolve baseless claims. Home health agencies and aides can feel more secure knowing their finances are covered with a General Liability policy.

What is not usually covered?

The following events are not covered by your General Liability policy:

  • Workers’ compensation claims and personal workplace injuries
  • Property damage
  • Intentional damage to property of third parties
  • You can make mistakes or errors in your work

You may not be covered for certain events. You will find the complete coverage details in your policy documents.

Professional Liability Insurance

Also known as Errors and Omissions (E&O) insurance, this type of policy protects your business against claims of negligence, misrepresentations, or mistakes. Professional Liability claims are typically made by clients who allege some form of financial damage as a result of your services, products or employees. The policy covers both meritless and true claims.

What is typically covered?

Professional Liability insurance pays for legal expenses that may result from:

  • In your professional advice or services, there may be errors, mistakes, or omissions
  • Negligence allegations
  • Services not delivered or deadlines missed
  • Contract breaches

Clients often bring these types of claims against you claiming that their work has resulted in financial loss. Even if the claim against you is not baseless, Professional Liability insurance policies will provide coverage.

What is not usually covered?

These events are not covered under Professional Liability Insurance:

  • Bodily injury to third parties
  • Property of a third party may be damaged
  • Workers’ compensation claims or personal workplace injuries

Refer to your policy text for complete details about what Professional Liability insurance covers.

Miscellaneous Medical Liability Package For Home Health Care Providers

Home care agencies and home health aides often require multiple types of insurance to cover different risks. BizInsure has a Miscellaneous Liability Package, which combines the most common coverages home care agencies often need. This package includes Professional Liability and General Liability insurance. Cyber Liability helps protect against data breaches, malicious software attacks and other potential threats to your business.

Who needs home health insurance in NY?

New York has many healthcare professionals that might require home care insurance.

  • Home Healthcare Aides – Individual contractors, subcontractors, and sole proprietors might need insurance to protect themselves and their patients.
  • Home Healthcare Agency – Protect your business and employees with insurance for home healthcare agencies.
  • Other Healthcare Pros – There are many healthcare professionals that may benefit from business insurance, including nurses, physical therapists and carers.

BizInsure can help New York home health aides and agencies find liability insurance coverage. Start a quote to compare policies in minutes!

How much does healthcare insurance cost in NY?

Costs for home  care insurance in New York can vary from one person to another, because every home healthcare provider is unique, your insurance premiums will vary.

Some factors that are used to calculate premiums for business insurance include:

  • Education and qualifications – Are you well-trained to do the job? Are you licensed to practice as a New York healthcare provider?
  • The county, city or town you live in – Care providers based in larger cities like Binghamton or Central East New York nonmetropolitan area will likely charge more than those based in smaller areas.
  • A history of claims – Having a record of past claims can lead to higher premiums.
  • The coverage you require – Higher premiums are usually associated with more coverage. Clients may require that you maintain minimum coverage.

Want to know how much business insurance costs? Comparing quotes from multiple carriers can help you find the right insurance cover for your business.

Frequently Asked Questions (FAQs)

What are the potential risks for New York's home healthcare providers?

Home healthcare providers in New York provide excellent care to their patients. Working so closely with other people in their homes can pose unique risks. Insurance can help you to manage the most common risks that you might face.

General Liability insurance – Inadvertently, you knock over and break a vase in the patient’s house. This is an example of a claim that you may encounter when providing home health aide services. General Liability insurance can help.

Professional Liability insurance – Patients and their families depend on your skills and knowledge. You could be sued for negligence if you make mistakes in your care, or if you fail to live up the patient’s expectations.

Cyber Liability insurance – Some sensitive patient information may be stored by home healthcare agencies. Cyber Liability insurance is available to help you recover from a data breach, malicious attack or any other damage to your business.

BizInsure helps home health aides and agencies find business insurance to cover the unique risks they face every day.

What are the home health care license requirements in New York?

In New York, the licensing and certification of home health care aides are overseen by the New York State Department of Health (NYSDOH).

To become a licensed home health care aide in New York, you typically need to follow these steps:

  1. Meet the basic requirements: You must be at least 18 years old and possess a high school diploma or its equivalent.
  2. Complete a training program: Enroll in and successfully complete a New York State Department of Health-approved home health aide training program. These programs typically consist of classroom instruction and hands-on practical training, covering topics such as personal care, infection control, nutrition, and communication skills. The training programs are available at various vocational schools, community colleges, and home health care agencies.
  3. Obtain certification: After completing the training program, you must pass a competency examination. This exam evaluates your knowledge and skills in providing home health care services. The exam is administered by the Regional Testing Centers approved by the NYSDOH. Upon passing the exam, you will receive a certificate of completion.
  4. Submit an application: Complete an application for home health care aide certification, which can be obtained from the NYSDOH website or by contacting them directly. The application typically requires personal information, educational background, and proof of completing an approved training program and passing the competency examination.
  5. Criminal background check: As part of the application process, you will need to undergo a criminal background check. This ensures the safety and well-being of the patients you will be serving.
  6. Pay the required fees: There may be fees associated with the application and certification process. Make sure to include the necessary payment with your application.
  7. Renew your certification: Home health care aide certifications in New York typically need to be renewed every two years. To maintain your certification, you will need to complete continuing education requirements, which may include a specified number of hours of training.

Remember, this information is a general overview, and the specific requirements and procedures may vary. To obtain the most accurate and up-to-date information, you should consult the official website of the New York State Department of Health or contact them directly for guidance on obtaining a home health care aide license in New York.

As with any insurance, coverage will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this guide is general only and should not be relied upon as advice. The number of quotes provided varies between products, occupations and other underwriting factors determined by the insurers.
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