{"id":3283,"date":"2023-03-29T10:59:57","date_gmt":"2023-03-29T10:59:57","guid":{"rendered":"https:\/\/www.insurancebee.com\/blog\/?p=3283"},"modified":"2023-03-29T11:00:00","modified_gmt":"2023-03-29T11:00:00","slug":"home-health-aides-insurance-risks","status":"publish","type":"post","link":"https:\/\/www.insurancebee.com\/blog\/home-health-aides-insurance-risks","title":{"rendered":"Home health aides\u2019 insurance risks"},"content":{"rendered":"<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.insurancebee.com\/blog\/wp-content\/uploads\/2023\/03\/home-health-aides-insurance-shutterstock.png\" alt=\"A woman provides care for an elderly person which is covered under home health aide insurance\" class=\"wp-image-3279\" width=\"600\" height=\"400\" srcset=\"https:\/\/www.insurancebee.com\/blog\/wp-content\/uploads\/2023\/03\/home-health-aides-insurance-shutterstock.png 600w, https:\/\/www.insurancebee.com\/blog\/wp-content\/uploads\/2023\/03\/home-health-aides-insurance-shutterstock-300x200.png 300w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/figure>\n<\/div>\n\n\n<p><\/p>\n\n\n\n<p>Home health aides are a vital part of the US healthcare system.<\/p>\n\n\n\n<p>They look after some of society\u2019s most vulnerable people, every day. And they provide invaluable support to doctors, nurses, and other medical professionals.<\/p>\n\n\n\n<p>Assisting patients with everyday tasks, helping them stay social and active, monitoring their health, changing bandages, and much more.<\/p>\n\n\n\n<p>It\u2019s easy to see why <a href=\"https:\/\/www.bls.gov\/ooh\/healthcare\/home-health-aides-and-personal-care-aides.htm\" target=\"_blank\" rel=\"noreferrer noopener\">our country employs over 3.6 million of them<\/a>.<\/p>\n\n\n\n<p>But their job isn\u2019t easy. It brings them face-to-face with a lot of risks. Many of which could land them in hot water if something goes wrong.<\/p>\n\n\n\n<p>Whether you\u2019re self-employed or a business owner, these risks are nothing to sneeze at.<\/p>\n\n\n\n<p>Especially if you don&#8217;t have the right home health aides&#8217; insurance.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Patient injury<\/strong><\/h2>\n\n\n\n<p>When you think of home health aide risks, this is probably the first that comes to mind.<\/p>\n\n\n\n<p>It\u2019s worrying just how easily an injury can happen. Especially with a vulnerable or frail person.<\/p>\n\n\n\n<p>A patient could fall over your misplaced bag and break their hip while you\u2019re at their home. Or you could accidentally drop hot soup on their lap.<\/p>\n\n\n\n<p>These kinds of accidents are what <a href=\"https:\/\/www.insurancebee.com\/general-liability-insurance\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>general liability insurance<\/strong><\/a> is for.<\/p>\n\n\n\n<p>If it\u2019s found that the accident was your fault, it\u2019ll cover your patient\u2019s medical expenses. So you\u2019re not left with a huge bill to pay. And they don\u2019t have to fork out to pay their medical insurance\u2019s deductible.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Property damage<\/strong><\/h2>\n\n\n\n<p>When you\u2019re going into someone else\u2019s home, damaging their property can cause a lot of aggravation.<\/p>\n\n\n\n<p>You might accidentally knock over an expensive vase. Or spill coffee on their tablet.<\/p>\n\n\n\n<p>Worse still, you could damage something they rely on. Like their mobile phone or intercom.<\/p>\n\n\n\n<p>Depending on what you damage, a claim could cost you hundreds or even thousands of dollars.<\/p>\n\n\n\n<p>As luck would have it, though, you\u2019ve already bought <a href=\"https:\/\/www.insurancebee.com\/caregivers-insurance\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>general liability insurance<\/strong><\/a>. And it covers you for property damage too.<\/p>\n\n\n\n<p>If the accident was your fault, it\u2019ll pay to repair or replace whatever was damaged. So the cost of that brand-new iPhone or vintage baseball card won\u2019t be coming out of your pocket.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Negligence<\/strong><\/h2>\n\n\n\n<p>Because you charge for your services, a patient could sue you if they think you\u2019ve made a mistake.<\/p>\n\n\n\n<p>As a healthcare professional, you might also be accused of breaching your duty of care.<\/p>\n\n\n\n<p>A patient can even sue if you\u2019ve done nothing wrong. You\u2019ll still have to go through the legal process to prove you\u2019re not at fault.<\/p>\n\n\n\n<p>Let\u2019s say that one of your patients is hospitalised with an infection. They sue you because they believe that you didn\u2019t change their dressings often enough.<\/p>\n\n\n\n<p>This is where <a href=\"https:\/\/www.insurancebee.com\/caregivers-insurance\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>professional liability insurance<\/strong><\/a> comes in.<\/p>\n\n\n\n<p>Regardless of whether it was your fault, it\u2019ll cover your legal costs and any settlement you might have to pay.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What\u2019s the difference between general liability and professional liability insurance?<\/strong><\/h2>\n\n\n\n<p>We\u2019re going to take a quick pit stop here to answer a question you might have: what exactly is the difference between general liability and professional liability insurance?<\/p>\n\n\n\n<p>Well, the biggest difference is that general liability doesn\u2019t cover claims related to your work. So it covers accidents that lead to physical injury or property damage, but aren\u2019t due to negligence related to your service.<\/p>\n\n\n\n<p>On the other hand, professional liability protects you against claims that directly relate to your work. In your case, as a health aide, this would probably be medical negligence.<\/p>\n\n\n\n<p>Having the right home health aides&#8217; insurance in place will cover you for both kinds of liability.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Employee injury or illness<\/strong><\/h2>\n\n\n\n<p>This one will only be a risk if you run your own health aide business.<\/p>\n\n\n\n<p>If you employ people, whether it\u2019s full-time or part-time, then you need to be ready for employee injury or illness.<\/p>\n\n\n\n<p>More specifically, injury or illness caused by the work they do for you.<\/p>\n\n\n\n<p>One of your health aides might develop back problems because they didn\u2019t receive any manual handling training. Or you might catch something from a patient that puts you out of work for a while.<\/p>\n\n\n\n<p>In cases like this, <a href=\"https:\/\/www.insurancebee.com\/caregivers-insurance\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>workers\u2019 compensation insurance<\/strong><\/a> kicks in.<\/p>\n\n\n\n<p>It covers the costs of workplace illness and injury claims. Like paying for your employee\u2019s medical bills or lost earnings.<\/p>\n\n\n\n<p>Oh, and it\u2019s also a legal requirement in most states. If you don\u2019t have it, the penalties can be debilitating, so make sure to check your state\u2019s requirements.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Equipment damage<\/strong><\/h2>\n\n\n\n<p>Do you take any equipment with you on patient visits?<\/p>\n\n\n\n<p>Maybe a laptop, mobile phone, or portable blood pressure monitor?<\/p>\n\n\n\n<p>If you do, then equipment damage is a risk that you need to prepare for.<\/p>\n\n\n\n<p>Luckily, that\u2019s what <a href=\"https:\/\/www.insurancebee.com\/general-liability-insurance\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>business personal property insurance (BPP)<\/strong><\/a> is for.<\/p>\n\n\n\n<p>It protects all the equipment that you carry with you to patient visits. And even some of your items in your home office, like your desktop PC.<\/p>\n\n\n\n<p>If they\u2019re damaged or stolen, BPP will pay to repair or replace them.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Cyber-attacks<\/strong><\/h2>\n\n\n\n<p>Like employee injury or illness, you\u2019ll probably only be concerned about cyber-attacks if you run your own business.<\/p>\n\n\n\n<p>Storing patient data is risky. So is transferring money, operating a website, and sending sensitive information by email.<\/p>\n\n\n\n<p>For small business owners, paying top dollar for a state-of-the-art cybersecurity system isn\u2019t realistic. So you need to protect yourself if you are attacked.<\/p>\n\n\n\n<p>Let\u2019s say you store your patient data in a Google sheet. One day, your Google account is breached and cybercriminals make off with your entire database.<\/p>\n\n\n\n<p>You could face legal action from patients, fines from the US government, and a tricky technical situation to fix.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.insurancebee.com\/caregivers-insurance\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Cyber insurance<\/strong><\/a> is there to save the day.<\/p>\n\n\n\n<p>It provides 24\/7 technical support to get you back on your feet. And pays for any legal fees and compensation you might owe.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Look after your business<\/strong><\/h2>\n\n\n\n<p>As a home health aide, you face a lot of risks every day. The work you do is important, but it can lead to claims from patients and patient\u2019s families.<\/p>\n\n\n\n<p>Ignoring these risks can do some serious damage to your business and your livelihood.<\/p>\n\n\n\n<p>Not sure what kind of home health aides&#8217; insurance you need? Give us a call on <strong>978.344.4215<\/strong>.<\/p>\n\n\n\n<p><em>Image used under license from Shutterstock<\/em>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Home health aides are a vital part of the US healthcare system. They look after some of society\u2019s most vulnerable people, every day. And they provide invaluable support to doctors, nurses, and other medical professionals. Assisting patients with everyday tasks, &hellip; <a href=\"https:\/\/www.insurancebee.com\/blog\/home-health-aides-insurance-risks\">Read more&#8230;<\/a><\/p>\n","protected":false},"author":11,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[46,27,64,5,60],"tags":[76,8,136,135,7],"class_list":["post-3283","post","type-post","status-publish","format-standard","hentry","category-cyber-liability","category-general-liability","category-professional-liability","category-risk-tips","category-workers-compensation-insurance","tag-cyber-liability-insurance","tag-general-liability-insurance","tag-home-health-aides","tag-insurance-risks","tag-professional-liability-insurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\r\n<title>Home health aides insurance risks<\/title>\r\n<meta name=\"description\" content=\"Home health aides insurance protects you from the risks you face every day. 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