Protection is the best cure. Cover your work, your bank balance and your reputation with caregiver insurance.REQUEST A QUOTE
Quick & easy
Protection is the best cure. Cover your work, your bank balance and your reputation with caregiver insurance.Request a Quote
Quick & easy
Whether your patient is sick, disabled, elderly – or all three – you take care of them. But when you’re working with fragile people, easily hurt, things can go wrong.
Accidents can happen, mistakes get made. Confusion and disorientation can lead to accusations. Before you know it you’re facing a legal claim.
And when that happens, who takes care of you?
Home health care insurance is your band-aid. It protects you from the cost of a legal claim. Even if it’s groundless.
Because you spend your day visiting with clients, caring for them in their homes. And if a customer trips and hurts themselves, or you damage their property, they can sue you.
Now, without the right insurance you’ll have to pay for the costs associated with a legal claim, which can be pretty painful.
But if you have a general liability policy -- even if there are no grounds for the claim -- it can take care of these for you.
Including medical bills, the cost of repairing or replacing damaged items, plus your legal fees if the case goes to court. And if you’re found at fault, it can pay compensation too.
So long as the claim’s filed in the United States, its territories, or Canada, general liability insurance covers claims for:
When a claim’s filed against your business, there are often hidden costs involved. Your general liability policy takes care of these, too. Including up to $250 a day for loss of earnings.
Claims take their toll. On your time, as well as your money. Having the right insurance means your home health care business is protected. Leaving you to get on with running it.
The cost of your insurance will be affected by things like your business’s size, its location, and the coverage limits you select.
Whatever the cost, there’s a package to suit your particular needs. And payment options, too, so you can spread the cost to fit your budget.
But as for what level of cover you want, you'll need to decide what's best for you.
It's always best to over-estimate. Lawyers' fees, compensation and court costs can go through the roof. So, imagine the worst-case scenario. Then pick a figure you can realistically afford.
Take two pills and call me in the morning. Or was it three? See that’s the thing. When home health aides make a simple mistake, the results can be catastrophic.
Forget to remind someone to take their meds, miss a checklist item or delay an in-home visit and it’s not just the patient that could be harmed. Or what about if the person you're caring for falls in the bath and breaks their hip? That's more than a slip-up for you. A negligence claim can threaten your reputation and put your livelihood on your line.
To make things worse, as a professional, you can be sued even if the claim is groundless.
Defending yourself from a claim you made a mistake– even if you didn’t – can be costly. The stress can be enough to make you physically ill.
Luckily there’s a simple remedy. A professional liability insurance policy drawn up before a minor mistake becomes a major headache.
Also known as errors and omissions insurance – E&O for short – it’s a warm blanket of protection when you need it most.
The cost of professional liability policies for caregivers varies, depending on:
Typically, the higher your coverage limit (the amount your policy provider will pay for a single claim or all claims during the policy period) the more your insurance will cost. So choose your limit carefully.
Think worst-case scenario (and remember lawyers’ costs can go through the roof). Just be sure to pick a figure you can sensibly afford.
The higher your deductible (the amount you pay towards the cost of a claim) the lower your policy price will be. But do make sure you could actually afford to pay that amount if there’s a claim.
Business personal property insurance (BPP)
If you take equipment like laptops and mobiles to meetings, this policy is worth having. It also covers the portable stuff in your office - from your furniture to your potted plants.More info
Business owner's policy (BOP)
Comes with general liability, property, and business equipment insurance as standard. Plus, a range of optional add-ons, including coverage for:
Cyber liability insurance
If you use email, own a website, or store client data, cyber insurance is a must. It can’t stop a cyber-attack, but it can pay your recovery costs so your business survives from one.More info
Workers' compensation insurance
Most states require you to have this policy even if you only have one employee. It’s good to have anyway. It protects your business from the cost of workplace illness and injury claims which can be crippling.More info
Because we understand every home health care business is different, we'll build an insurance package to suit your needs. In minutes.
To build the right insurance package for you call one of our licensed advisors today on 978.344.4215.