Insurance for Home Health Providers in West Virginia
Home Health Aides provide high-quality treatment and care to their patients. No matter if you work as a team or on your own, you know how important it can be for patients to be able to live at home. You are able to offer excellent assistance to those around you, but who is supporting you?
BizInsure makes it easy for West Virginia Home Health Aides to obtain insurance that will protect their small businesses. Insurance options are available for home health aide agencies across West Virginia, so no matter where in the state you work—from Beckley to Charleston—you’ll be covered.
Why become a home health aide in West Virginia?
Home Health Aides are in high demand across every state, including West Virginia. If you’re interested in working in healthcare, this could be an excellent way to get into the field and make a positive impact on patients across the Mountain State.
There are just about 15,680 home health aides and personal care aides in West Virginia, 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 West Virginia earn an average annual salary of $22,200 or an average hourly wage of $10.68. West Virginia 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 Cumberland and Huntington are $25,160 and $23,110, respectively.
Why do home health care providers in West Virginia require insurance?
Home health aides help those who are elderly, disabled, and chronically ill. These patients can live in safety and comfort in their own homes thanks to the services that you provide. However, this could expose you to expensive liability claims or lawsuits.
Accidents happen and, if you’re responsible, you could be required to pay a victim or their family. The process of settling lawsuits and claims can be expensive. They can take your money and even threaten your job. West Virginia offers insurance for home care professionals to assist home care aids, home health agencies, and other care providers protect their finances.
Did you know?
General Liability insurance provides protection against unfounded claims and real ones.
West Virginia Home Healthcare Business Insurance
Home health aides and other health professionals typically consider many kinds of insurance to safeguard them while they work.
General Liability Insurance
Your General Liability insurance 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.
This protection is available for both claims that have merit and those without merit. General Liability insurance can also be offered as Commercial General Liability (CGL) or “slip and fall” insurance.
What is usually covered?
General Liability insurance covers lawsuits and claims that are a result of:
- Third-party bodily injury
- Third-party property damage
General Liability policies also cover third-party claims that have no merit. Baseless claims can prove expensive to settle. A General Liability policy provides home health aides and other agencies more security while caring for patients by safeguarding their financial assets.
What is usually not included?
These events will likely not be covered by your General Liability insurance policy:
- Personal workplace accidents and workers’ comp claims
- Personal or business property damage
- Intentional damage to a third-party’s property
- Mistakes and errors in your work
A General Liability policy may not be able to cover certain situations. Complete details regarding your coverage will be included in your policy documents.
Professional Liability Insurance
Professional Liability insurance 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. It also covers you against third-party claims arising from professional negligence.
Both meritless and true claims will be protected by these policies. Professional Liability insurance is also offered as Errors and Omissions (E&O) insurance.
What is usually covered?
Professional Liability insurance covers legal expenses that may result from:
- Professional services and advice that contain errors, mistakes, or omissions
- Negligence claims
- Services not delivered or deadlines missed
- Contracts that are breached
Clients often bring these types of claims against you claiming that your work has resulted in financial loss. Professional Liability insurance offers protection even if there’s no basis for the claim.
What isn’t normally included?
Certain events are not covered by Professional Liability insurance, including:
- Bodily injury to third parties
- Damage to property owned by third parties
- Workplace injuries or claims for workers’ compensation
Refer to your policy documents for more details on what your Professional Liability insurance covers.
Miscellaneous Medical Liability Package for Home Health Care Providers
Home health aides and agencies often need more than one type of insurance to safeguard their businesses from different risks. BizInsure also provides a Miscellaneous Medical Liability package which includes common coverages that home health care providers are likely to consider.
This includes General Liability and Professional Liability insurance, plus Cyber Liability to protect you against malware-related attacks, data breaches and other incidents that could hurt your business.
Who may need home care insurance?
West Virginia’s home health care professionals may need home care insurance.
- Home Health Aides –Subcontractors, sole proprietors, and independent contractors might require insurance to protect their patients as well as themselves.
- Home Healthcare Agencies – Protect your small business and your employees, with insurance for home health agencies.
- Other Healthcare Practitioners – There are many healthcare professionals that may benefit from business insurance such as nurses, physical therapists and caregivers.
BizInsure offers insurance coverage for home health aides and agencies in West Virginia. Start a quote to compare policies in minutes!
How much does Home Healthcare Insurance cost in West Virginia?
Costs for home care insurance in West Virginia can vary based on the type of business you run. Your insurance premiums will be determined by your company’s unique structure.
Some of these factors may be considered when calculating the cost of business insurance:
- Qualifications and educational – Have you been adequately trained for the job? Do you hold the correct licenses to work as a healthcare provider in West Virginia?
- Location – Care providers in cities, such as Charleston or Morgantown, are likely to pay more than ones based in less populated areas.
- Claims history – A record of past claims can result in higher insurance premiums.
- Coverage level – A higher level of coverage usually means higher premiums. Clients might require you to have a minimum amount of coverage to work with them.
Comparing quotes from multiple insurance companies can help you find home healthcare insurance that suits both your business and your budget.
Frequently Asked Questions (FAQs)
What are the risks home healthcare providers face in West Virginia?
West Virginia home healthcare providers are highly skilled and provide excellent customer treatment. However, working so closely with other people in their own homes could pose unique risks. Insurance is a way to deal with some of the dangers you could encounter.
- General Liability insurance – You accidentally smash and break an expensive vase in the patient’s home. General Liability insurance could be helpful in cases like this one.
- Professional Liability insurance – Your knowledge and skill are important to your patients and their families. You could be accused of negligence if you commit a mistake during your care or if you fail to live up the expectations of the patient.
- Cyber Liability insurance – Healthcare agencies can keep sensitive patient data. Cyber Liability insurance is available to help you recover from a data breach or malicious attack, as well as any other online damage to your company.
BizInsure helps organizations and home health aides locate business insurance that can address the unique dangers you face each day.
What are the home healthcare aide license requirements in West Virginia? How do I get a home healthcare license in West Virginia?
Home health aides can either work as an independent health aide or as part of an agency in West Virginia. You will need to meet some basic requirements to provide Medicare/Medicaid services in both cases.
To become a home healthcare aide in West Virginia, you must:
- Be 18 years of age or older
- Hold a valid driver’s license
- Pass a West Virginia criminal background check and submit checks from other states or countries where you have lived during the previous five years
- Pass a West Virginia Adult Abuse Registry Check
- Pass a competency exam
- Complete 75 hours of classroom instruction
- Complete 16 hours of clinical practice training
- Become CPR certified
If you plan to work as an independent health aide, you will also need to register with the West Virginia. There may be additional training required if you work for an agency, such as ongoing training that covers changes to legislation or safety refreshers.
Learn more about home health care insurance in the states where you work.
This information is a general guide only and does not take into account your objectives, financial situation or needs. Always check with your local licensing board when getting or renewing your home healthcare aide license to ensure you are meeting their current licensing requirements.