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 your business against third-party lawsuits for bodily injuries, personal injuries, advertising mistakes, and other related risks.
Commercial Auto insurance is useful particularly if you drive vehicles intended for business use as the insurance provides protection against losses incurred due to a vehicular accident, including liabilities and medical expenses. Accidents can and do happen so make sure you're prepared for them.
Workers Compensation will cover medical and rehabilitation benefits including lost wages when an employee gets sick or injured due to job-related causes. The insurance is state-mandated which your business is required to carry if it meets the minimum requirements of the state.
Workers in this industry aim to provide care for the elderly. Examples include assisted-living facilities, rest homes, and assisted living services for the elderly without nursing care.
One of the largest risk that your business faces is that there are not enough risk management procedures to protect your business assets. Even if your business is already successful, you won't have enough financial resources to cope with large financial losses that your business could suffer, for example when your business is sued. Your insurance will cover the costs so your business and even personal assets are protected.
Below are some common risks services for the elderly and disabled could face:
An elderly person slips in a puddle of water that you are about to clean, which causes a severe back injury. While your business is able to provide the medical services the elderly person needs, they still insist on suing your business.
While doing routine patient visits, your employee gets involved in a vehicular accident in which they are using their own vehicle at the time. Because of the accident, your employee injures their leg. As their employer, you are responsible for the medical expenses of your employee.
There is no fixed cost of insurance for services for the elderly and disabled as the cost depends on various factors. To find out the cost of your insurance just apply online and we'll send you a free quote in minutes.
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