Home Healthcare and Caregivers Insurance
in Oklahoma

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Home Health Aide quotes

Home Health Agency quotes

Home health professionals and business insurance in Oklahoma

Home health aides offer the best care possible to their patients. You know how vital it is that people can live comfortably in their own homes. While it is vital to provide support for others, who is providing you with the same support?

BizInsure makes finding insurance for small businesses that will protect Home Health Aides in the Sooner State easy. You can find insurance for home health aid agencies anywhere in Oklahoma, whether you are in Norman or Broken Arrow.

Why to become a Home Health Aide in Oklahoma?

There are many home health aides in every state, even Oklahoma. This is a great opportunity to start a career as a healthcare professional and make a positive difference for patients in Oklahoma.

There are 16,870 home health aides and personal care aides in Oklahoma, according to 2021 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%. This is much faster than the average expected growth rate for all occupations, which is just 8%.

Home health aides and personal care aides in Louisiana earn an average annual salary of $23,040 or an average hourly wage of $11.08. The average annual salaries for home health and personal care aides in Tulsa and Lawton are $24,430 and $20,720, respectively.

Why do home health care providers need insurance in Oklahoma?

Home health aides assist the elderly, the disabled, and the chronically ill. Your services help patients live safely and comfortably at home. This could lead to expensive lawsuits or liability claims.

Accidents do happen. If you are found responsible, you may be required to compensate the victim or their family. It can be very costly to file lawsuits or claim. This can quickly drain your bank accounts and possibly ruin your career. Oklahoma provides home care insurance to help home health aides, home healthcare agencies and other care providers safeguard their finances.

Did you know?

General Liability insurance offers coverage against unfounded claims as well as real ones.

Oklahoma Home Healthcare Business Insurance

Home health aides, and other healthcare professionals, often look into various types of business insurance to protect themselves as they work.

General Liability Insurance

Your General Liability policy can protect you against any claim by an outside party regarding injury or damage to their property. In these instances, your policy will cover your legal expenses as well as your cost to replace or remedy the situation up to the limits of liability.

These protections cover both meritorious claims and those without merit. General Liability insurance may also be called Commercial General Liability (CGL), “slip and fall” coverage.

What is usually covered?

General Liability Insurance provides coverage for lawsuits and claims arising from:

  • Infliction to the bodily integrity of a third party
  • Third-party property damage

 

You do not have to prove a claim to your General Liability policy. It also covers third party claims that have no merit. Baseless claims are often difficult to resolve. A General Liability policy gives home health aides and agencies greater security when caring for patients. It also protects their financial assets.

What isn’t usually covered?

Events such as these are not covered under your General Liability Policy

  • Workers’ comp and personal workplace injuries
  • Your property is at risk of being damaged
  • Intentional damage to the property of a third party
  • Your work may contain errors or mistakes

 

Your General Liability policy may not cover certain events. The policy documents will give you complete information about what coverage is available.

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. It protects you from third-party professional negligence claims. You will be covered for meritless as well as true claims.

What is usually covered?

Professional Liability Insurance covers legal expenses (including settlements and judgments) that could result from:

  • Professional services and advice may include errors, mistakes, or omissions
  • Negligence claims
  • Service not delivered or deadlines missed
  • Contracts breach

 

These types of liability claims usually come from clients who claim that your work caused them financial loss. Even if there is no basis for a claim, Professional Liability Insurance policies offer coverage.

What isn’t usually covered?

The following events are excluded from Professional Liability insurance:

  • Infliction to the bodily integrity of a third party
  • Property damage to third parties
  • Personal workplace injuries and workers’ compensation claims

 

For more information on Professional Liability coverage, please refer to the policy wording.

Miscellaneous Medical Liability package for home health care providers

Home health aides and agencies providing home care often require more than one type insurance to protect their business from different risks. BizInsure’s Miscellaneous Medical Liability Package combines many coverages that home-care businesses may be interested in. This policy includes both Professional Liability and General Liability insurance. Cyber Liability protects you from malicious software attacks, data breaches, and other incidents that could damage your business.

Who may need home care insurance in Oklahoma?

Oklahoma is home to many healthcare professionals.

  • Home Health Aides – Subcontractors, sole proprietors and independent contractors may require insurance to protect their patients and themselves.
  • Home Healthcare Agencies – Protect your business and employees with insurance for home healthcare agencies.
  • Other Healthcare Practitioners – Nurses, physical therapists, carers, and other healthcare professionals may also be able to benefit from business insurance.

BizInsure offers tailored liability coverage for home health aides and agencies in Oklahoma. Start a quote to compare policies in minutes!

How much does Oklahoma home healthcare insurance cost?

There are many factors that can affect the cost of Oklahoma home healthcare insurance. This is because each home healthcare aide is unique and will impact the premiums you pay for insurance.

Some factors used in calculating premiums for business insurance may include:

  • Qualifications and education – Have you been properly trained for your job? Are you licensed to work in Oklahoma as a healthcare provider?
  • Location – Care providers who are based near cities such as Oklahoma City and Tulsa will likely be paid more than those who reside in less populous areas.
  • Your claims history – An accumulation of past claims could lead to higher insurance premiums.
  • Coverage level – Higher coverage usually means higher premiums. Clients might require you to provide minimum coverage.

You want to find out how much business insurance you will need. Comparing quotes from multiple insurers can help you to find the best home healthcare business insurance for your small business.

Frequently Asked Questions (FAQs)

What are the risks for Oklahoma home healthcare providers?

Oklahoma home healthcare providers offer high-quality care for patients. There are unique risks associated with working in close proximity to others at home. Insurance can help you deal with many of the common risks you might face.

General Liability insurance – When a patient slips or falls, they need to be taken to the emergency department. Accidentally, you accidentally break or knock over a valuable vase while visiting a patient’s residence. These are two common claims you may encounter when providing home health assistance. Insurance can help.

Professional Liability insurance – The ability to provide Professional Liability insurance is a key factor in the lives of patients and their families. A negligence lawsuit could be filed against you or another Professional Liability claim if you make a mistake or fail to meet their expectations.

Cyber Liability insurance – Home healthcare agencies might store sensitive patient data. Cyber Liability insurance will help you to repair any damage caused by a data breach.

BizInsure helps agencies and home health care professionals find the right business insurance to meet their unique needs.

What are the home healthcare license requirements in Oklahoma?

As of September 2021, here is some general information regarding home health care aide licensing in Oklahoma:

In Oklahoma, the term “home health care aide” may refer to individuals who provide personal care services in a home setting. However, the state does not have a specific license or certification for home health care aides. Instead, the state relies on regulations and guidelines for the home health agencies that employ these aides.

To work as a home health care aide, you will typically need to meet the following requirements:

  1. Education and Training: Home health care agencies may require completion of a high school diploma or equivalent. Some agencies may also provide on-the-job training or require completion of a state-approved home health aide training program.
  2. Background Check: You may need to undergo a criminal background check, including fingerprinting, as part of the employment process. Agencies often prioritize the safety and well-being of their clients.
  3. Competency Evaluation: Some agencies may require you to pass a competency evaluation, which assesses your knowledge and skills related to home health care tasks.

It is important to note that the specific requirements can vary between home health agencies, and individual agencies may have additional prerequisites beyond these general guidelines. Therefore, it is recommended to contact potential employers or the Oklahoma State Department of Health for the most accurate and detailed information.

Additionally, if you are interested in pursuing a career in healthcare, you may also consider becoming a Certified Nursing Assistant (CNA) or pursuing further education and training to become a Licensed Practical Nurse (LPN) or Registered Nurse (RN). These roles typically have more comprehensive licensing requirements and provide additional career opportunities within the healthcare field.

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