Home Care and Caregivers Insurance
in North Carolina

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Home Health Aide quotes

Home Health Agency quotes

North Carolina Home Health Aides and Business Insurance

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 are you supporting?

BizInsure makes it easy for North Carolina 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 North Carolina, from Charlotte to Raleigh and Wilmington to Greensboro.

Why should you become a home health aide in North Carolina?

In North Carolina, 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 North Carolina.

There are 58,800 home health aides and personal care aides in North Carolina, according to 2022 data from the Bureau of Labor Statistics. This number is likely to increase in the coming years. Between 2021 and 2031, the number of home health aides across the entire country is expected to grow by 25%.

Home health aides and personal care aides in North Carolina earn an average annual salary of $23,850 or an average hourly wage of $11.47. The average annual salaries for home health and personal care aides in Asheville and Durham are $24,970 and $25,880 respectively.

Why do home health care providers need insurance in North Carolina?

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. North Carolina 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.

North Carolina 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”, General Liability 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 does not have to cover a claim. It 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

A Professional Liability insurance  policy (also known as Errors and Omissions or E&O insurance) is an essential policy that protects you and your company in case of a lawsuit due to alleged professional wrongdoing. You are also protected against third-party claims for professional negligence. The policy covers both meritless and true claims.

What is covered by Professional Liability insurance?

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 may need home health care insurance in North Carolina?

North Carolina has many healthcare professionals that might require home care insurance.

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

BizInsure can help home health aides and agencies find  affordable liability insurance in North Carolina. Start a quote to compare policies in minutes!

How much does home healthcare insurance cost in North Carolina?

Costs for North Carolina home care insurance can vary widely from one person to another. Because every home healthcare provider is unique, your insurance premiums will vary.

There are many factors that go into calculating business insurance premiums.

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

Do you want to know how much business insurance costs? Comparing quotes from more than one insurance company can help you find the right home healthcare business insurance for your business.

Frequently Asked Questions (FAQs)

What are the potential risks for home healthcare providers in North Carolina?

Home healthcare providers in North Carolina 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 General Liability Insurance can assist with as a home health aide.

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 healthcare license requirements in North Carolina?

In North Carolina, home health care aides are typically referred to as “Home Care Aides” or “Home Health Aides.” The licensing and certification process for home health care aides in North Carolina is overseen by the North Carolina Department of Health and Human Services.

To become a licensed home health care aide in North Carolina, you may need to meet the following requirements:

  1. Education and Training: Completion of a state-approved training program is typically required. These programs can be offered by community colleges, vocational schools, or home health agencies. The program must meet the standards set by the North Carolina Division of Health Service Regulation.
  2. Criminal Background Check: Applicants for home health care aide licensure in North Carolina are typically required to undergo a criminal background check. Certain criminal convictions may disqualify an individual from obtaining a license.
  3. Competency Evaluation: After completing the training program, you may need to pass a competency evaluation. This evaluation typically consists of a written test and a skills demonstration.
  4. Registration: Once you have completed the necessary training and passed the competency evaluation, you may need to register with the North Carolina Nurse Aide Registry.

It’s important to note that specific requirements and procedures may vary. To get the most accurate and up-to-date information, We recommend contacting the North Carolina Department of Health and Human Services or the North Carolina Division of Health Service Regulation. They will be able to provide you with detailed information regarding the licensing process for home health care aides in North Carolina.

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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