Home Health Care Insurance

As a healthcare professional, taking care of others comes naturally to you. You’re caring, kind, and passionate about others’ well being. But just because it’s second nature to look after others, doesn’t mean you should forget about looking after yourself as well.

Caring for others is noble, but neglecting to take care of yourself can be dangerous for you and your business. We recommend several types of home health care business insurance to make sure you’re covered while doing the work that you love.

Depending on the patient, your work may very physical, or not very physical at all. Either way, there are always risks on the job. Take a look at the following recommended coverages to help you stay safe at work.

Recommended homecare insurance coverage

It doesn’t matter if you’re an RN, HHA, or PCA. Either way, you face risks while at work. That’s why we recommend both general liability, as well as professional liability insurance. Workers’ compensation is extremely important for home health care professionals, as well.

General liability for home health professionals

Even if you work on your own, you have to realize you are not working as just yourself. You’re working as your business, too. So any exposures you face can put both you and your business in jeopardy.

General liability insurance protects you and your business from financial loss in the event you are liable for third-party bodily injury, property damage, or personal/advertising injury.

Claims examples:

  • Bodily injury: You’re helping a patient into the car, and lose control of their wheelchair. The wheelchair rolls down the hill and over someone’s foot, fracturing their ankle. General liability insurance would pay for the medical costs.
  • Property damage: Let’s say you are helping a patient get out of the shower. She slips and falls, causing the shower rod to smash into the bathroom mirror. Your general liability policy would pay for the mirror’s replacement and repair costs.
  • Personal/advertising injury: Everyone has bad days at work. And sometimes, people like to rant about it on social media. If a patient sues you for slander, libel, or copyright infringement, general liability will cover legal damages.

Professional liability for home health care workers

Many patients rely on medications and supplements to maintain or improve their quality of life. Managing medications is a lot of responsibility, and with that, comes liability. Professional liability insurance makes sure you have the right protection in the event of an error.

Home care workers’ comp

While general liability covers third-party bodily injury, it does not protect you or those working for you should an incident occur. Workers’ compensation insurance is very important for home health care workers because it covers you or an employee in the event you get injured on the job.

Lifting and moving patients is demanding, physical work. They rely on you to go about their day. That’s why it’s so important for you to take care of yourself, so you can continue to be there for your clients.

As with any laborious job, it’s easy to injure yourself. But the great thing about workers’ compensation insurance is that it will cover job-related illnesses and injuries. Benefits of this policy include medical bill coverage and the supplementing of lost wages should you have to take time off work to recover.

Though most states require you to have workers’ compensation insurance if you have an employee, even if you are not required to have this policy, it’s still something very important to have. Of course, this policy helps keep you protected, but it also help you get hired, too.

How to save on workers’ comp insurance

Many companies or individuals that hire home health care workers require them to have a Certificate of Insurance. If this is the case for you, but you are looking for an affordable option, you may want to consider a minimum premium workers’ comp policy.

Also known as a ghost policy, a minimum premium policy is the most affordable type of workers’ compensation insurance because it excludes the business owner from coverage. The great thing about our ghost policy is that we’ve packaged it with an accident policy, which provides 24-hour accident coverage in the event of a work accident.

With us, you get more coverage, and at a lower price than our competitors.

Business auto insurance for home health care professionals

Commercial auto insurance covers vehicles owned by your business. If you use your personal vehicle for work and an accident happens, it’s likely that your personal auto policy will not cover the incident.

With commercial auto insurance, your business is protected from financial losses arising from physical damage to a vehicle, bodily injury, and property damage.

Hired and non-owned auto insurance

This form of auto insurance covers your company in the event it borrows, rents, or hires vehicles for business purposes. If you have helpers working for you, and they use their personal vehicle for work-related purposes, the hired and non-owned auto endorsement extends liability protection to the company if the employee is involved in an accident.

We can save you money

We compare rates from over 30 national insurance providers to help you get the best home health care insurance coverage at the best price. Get a free quote today.