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When you also have equipment or operate from an office
All Basic plan benefits and:
Get covered against errors resulting in bodily injury
All Standard plan benefits and:
General Liability insurance protects home health care services and their employees from claims of third-party property damage, bodily injury, personal injury, advertising mistakes, and other related risks. It shields your business from out-of-court settlements, litigation, and court judgments.
Commercial Auto will cover your company's automobiles if your driver is at fault in an accident and the car is damaged or passengers are injured in the accident. The insurance can also cover uninsured motorists when the driver is at fault and is unable to pay the total cost. It provides higher coverage than personal auto, with property damage due to storms or natural disasters as well.
Workers' Compensation is a state-mandated insurance that provides medical benefits, wage compensation and other benefits to workers proven to be sick or injured because of their jobs. The employees are then relinquished of their rights to sue your employer for negligence.
Professional Liability (E&O) insurance protects your home health care services if a mistake has been made by your business that caused your client financial harm, or if you failed to perform the contracted work. The insurance will protect your business by paying attorney fees and court costs when your business is sued.
Establishments in this industry provide healthcare services, including general in-home hospice care or health care services for the elderly and persons with disabilities. Health care agencies, visiting nurse associations, adult activity centers, companion services, and disability support groups are all a part of this industry.
The demand for home health care providers is booming because a lot of people, regardless of age, prefer in-home healthcare over nursing homes. However, taking care of people in their homes poses many more risks than those in a medical facility. Having insurance means that your business is protected from the many known and unknown risks by paying for the covered expenses. This saves you from having to spend your business and personal assets on these expenses.
Home health care services are prone to a variety of health hazards and risks rather than working in a medical facility. Below are some of the risks your business can face:
The cost of insurance for home health care services depends on the size of your business, the number of employees you have and many other factors. Without taking these into account, below are the average cost of standard insurance policies:
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