Insurance for home health care providers
in South Carolina

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Home Health Aide quotes

Home Health Agency quotes

Insurance for Home Health Professionals and Agencies in South Carolina

Home Health Aides are able to provide the best quality care possible to their patients. You, whether you work alone or in a home healthcare agency as a Home Health Aide, understand how important it can be for patients to be able live in their own houses. You can give support to others but who is supporting you?

BizInsure makes insurance easy for South Carolina Home Health Aides to find small-business protection. There are insurance options for home-health aide agencies in every state, so no matter where you live, whether it’s Charleston or Florence or Columbia or Sumter.

Why should you become a home health aide in SC?

South Carolina is home to many Home Health Aide positions. If you are interested in a career within healthcare, this is the perfect way to begin your career and make an impact on the Buckeye State’s patients.

There are 29,210 home health aides and personal care aides in South 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 South Carolina earn an average annual salary of $$25,730 or an average hourly wage of $12.37. South Carolina home health aides may earn more in major cities than in smaller metro areas and rural parts of the state. For example, the average annual salaries for home health and personal care aides in Charleston and Florence are $27,890 and $23,250 respectively.

Why do home healthcare providers need insurance in South Carolina?

Home health aides provide assistance to the elderly, chronically ill, and those with disabilities. These patients are able to live in safety and comfort in their own homes by the services that you provide. You may also be subject to expensive lawsuits and liability claims.

Accidents happen. You may have to pay for the medical bills of a patient or their loved ones. The cost of lawsuits and claims is high. This could cause financial problems and even lead to the end of your career. South Carolina offers home care insurance that helps caregivers (home health aides, agencies, and others) protect their finances.

Did you know?

General Liability insurance provides coverage for both actual and unfounded claims of third parties.

South Carolina Home Healthcare Business Insurance

Home health aides and other healthcare professionals may consider a variety of business insurance to cover them while they work.

General Liability Insurance

General Liability insurance 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 can be applied to both valid claims and invalid ones. General Liability insurance can also come in the form of Commercial General Liability, CGL or “slip & fall” coverage.

What is typically covered?

General Liability insurance provides coverage for:

  • Injury to the third-party
  • Property damage to third-party properties

For your General Liability Policy to protect you, a claim doesn’t have to be true. It also covers third parties who make claims that are not merited. It is often costly to settle baseless claims. A General Liability policy offers home health aides or agencies more peace of mind when they care for their patients.

What isn’t typically covered?

These events will not be covered by your General Liability policy

  • Personal workplace injuries and workers’ compensation claims
  • You can cause damage to your property
  • Intentional destruction of property belonging to third parties
  • Mistakes and errors in your work

Other events may not be covered by your General Liability Insurance. Complete details about coverage will be provided in your policy documents.

Professional Liability Insurance

Professional Liability insurance (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 also covers you against third party claims of professional negligence. Both meritless and true claims will be covered by a policy.

It protects you from claims of professional negligence by third parties.

What is typically covered?

Professional Liability insurance protects against legal expenses such as settlements or judgments.

  • There may be mistakes, errors or omissions in the professional services or advice you provide.
  • Neglect allegations
  • Missed deadlines or services not delivered
  • Contract breaches

These types liability claims are often brought by clients who claim your work has led to financial loss. Professional Liability insurance policies cover you even if you are not the target of a lawsuit.

What is not covered?

There are some events that are not covered by Professional Liability insurance.

  • Injury to the third-party
  • Property belonging to a third-party may be damaged
  • Workers’ comp or personal workplace injuries

For full details regarding Professional Liability, please refer the wording of your policy.

Miscellaneous Medical Insurance Package for Home Care Providers

Home health aides, and home care agencies may need multiple types of insurance to meet different risks. BizInsure also offers a Miscellaneous Medical Liability Package which includes common coverages that home healthcare businesses are likely to consider. This package provides coverage for General Liability, Professional Liability, as well as Cyber Liability, which helps to protect your business from data breaches, malware attacks, and other threats.

Who needs home health care insurance in South Carolina?

South Carolina’s healthcare professionals may need home care insurance.

  • Home Health Aides – Independent contractors, subcontractors or sole proprietors may have to be covered for their employees and patients
  • Home Healthcare Agencies – Protect your small company and your employees by purchasing insurance for home aide agencies.
  • Other Healthcare Practitioners – Business insurance may also be beneficial for nurses, physical therapists, and caregivers.

BizInsure provides affordable insurance coverage for home health aides and agencies South Carolina. Start a quote to compare policies in minutes!

How much does home healthcare insurance cost in South Carolina?

Home care insurance costs in South Carolina may vary depending on who you are. This is due to the fact that every home health aide is different. Your insurance premiums will also be determined by your business’s unique structure.

Some of the factors used for calculating business insurance premiums include:

  • Education and qualifications – Are you eligible to work as a South Carolina health care provider?
  • The town, county or city you reside in – Healthcare providers based within cities like Charleston, or Columbia are likely to charge more than those located in less-populated areas.
  • Past claims history – This could result in higher insurance premiums for the future.
  • The amount you require – Higher coverage often means higher premiums. Clients may require minimum coverage.

How much does business insurance cost? Comparing quotes from more than one insurer can help to find home healthcare insurance that suits both your business and your budget.

Frequently Asked Questions (FAQs)

What are the common risks for home health care providers in South Carolina?

Home healthcare providers in SC are highly qualified and provide quality care. But, it can be risky to work so closely with people at their home. Insurance can help manage many of your most common risks.

  • General Liability insurance – If a patient slips and falls while under your care, they may need to go to the emergency room. While visiting a patient’s home, you accidentally drop and break an expensive vase. These are just two types of claims insurance could help with.
  • Professional Liability insurance – Patients and their families are dependent on your knowledge and skill. You may be subject to a Professional Liability lawsuit if your care is not up to standard, or you make a mistake.
  • Cyber Liability insurance – Healthcare agencies can store sensitive patient information. Cyber Liability insurance can be helpful if you are the victim of a data leak or another malicious attack.

BizInsure can help home health aides and agencies to find business insurance that addresses the unique risks they face each day.

What are the home healthcare license requirements in South Carolina?

In South Carolina, home health care aides are often referred to as Certified Nursing Assistants (CNAs) or Personal Care Aides (PCAs). The licensing process typically involves the following steps:

  1. Complete a state-approved training program: To become a CNA or PCA, you will need to complete a training program that is approved by the South Carolina Department of Health and Human Services (DHHS). These programs are available at various community colleges, vocational schools, and healthcare facilities.
  2. Submit an application: After completing the training program, you need to submit an application for certification to the South Carolina DHHS. The application will require you to provide personal information and proof of completing the approved training program.
  3. Criminal background check: Applicants for home health care licenses in South Carolina must undergo a criminal background check. This process typically involves submitting fingerprints for a state and federal background check.
  4. Pass the competency evaluation: As part of the certification process, you will need to pass a competency evaluation exam. The exam consists of a written portion and a skills demonstration portion. The South Carolina DHHS will provide information on approved testing providers and the examination process.
  5. Certification and placement on the Nurse Aide Registry: Upon successful completion of the training program and passing the competency evaluation, you will be eligible for certification. Your name will be placed on the South Carolina Nurse Aide Registry, which verifies your status as a certified home health care aide.

It’s important to note that specific requirements and processes may vary, so it is recommended to contact the South Carolina Department of Health and Environmental Control (DHEC) or the appropriate licensing authority for the most accurate and up-to-date information regarding licensing requirements and procedures in South 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. © Copyright 2023 BizInsure LLC, 2015 ALL RIGHTS RESERVED BizInsure LLC; CA DBA: Simple, Smart, BizInsure Insurance Agency LLC; NY DBA: BizInsure Services LLC; NH DBA: Simple, Smart, BizInsure Insurance Agency; PA DBA: BizInsure Services LLC. 2950 Buskirk Ave Suite 300, Walnut Creek CA 94597. License #0H81929
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