General & Professional Liability Insurance for Home Care Instant Quote

Table of Content

• Understanding Common Home Health Care Liabilities
• Recommended Insurance Programs for Home Health Agencies
• How do I get caregiver business insurance?
• Insurance for Home Healthcare
• Professional Liability Insurance
• In the Home Care industry, both of these coverages are needed.  They also need to be written by the same insurance company.

General Liability typically addresses exposures that result in bodily injury or property damage. Almost every business in existence has a ‘General Liability’ exposure. The information provided on this website does not constitute insurance advice. All content and materials are for general informational purposes only.

Agency Revolution is not affiliated with the named representative, broker-dealer, state- or SEC-registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. The Doctors Insurance Agency understands how much work goes into being a Home Health Care Professional and we can help protect your independent, small business with a Home Health Care Professional Liability Insurance Policy.

Understanding Common Home Health Care Liabilities

Home Health Care Provider and Home Health Care Business insurance is important because it can make the difference between keeping your agency open or having to close because of a costly claim that has arisen due to an accident or error. Insurance for professional Home Health Aides is an underpinning to a successful career as a care provider. Whether you are a Home Health Care Provider working as an independent contractor or running your own agency, you should consider Home Health Care Insurance. At Harter Hill Insurance Agency LLC, each one of our clients is given a dedicated team of experts that work together to proficiently address all your concerns. The State of New York is famed for industry, particularly Manhattan and the surrounding areas. As such, it's no wonder why so many entrepreneurs look to do business in this state.

MiscellaneousFind informative articles on miscellaneous NY businesses including the types of commercial insurance they need, costs and other considerations. Health and BeautyLearn about New York health and beauty insurance coverages that help protect tattoo artists, salons, spas, estheticians, cosmetologists, barbers, hairdressers, nail salons and more from legal liability. Financial InstitutionsDiscover the types of commercial insurance that banks, finance companies and other New York financial institutions need to protect their asset management, deposit, lending, investment and other operations. Liability Insurance—This type of insurance covers the HHA for any negligent acts committed by an employee of the HHA.

Recommended Insurance Programs for Home Health Agencies

For example a roofer working on a roof faces much higher risks than an accountant sitting in an office behind a desk. Depending on the wording of the policy, this type of insurance may cover the defense and settlement of a whistleblower lawsuit. If the liability insurance policy is broad enough, it might cover acts as diverse as libel, slander and sexual harassment. The allegation will be that the HHA failed to act the way that a reasonable HHA would act under the same or similar circumstances, and that such failure resulted in the bad outcome. Defend – If the patient or consumer sues the Home Care agency for the negligence of its employed caregiver then the General Liability policy will provide an attorney and defend you in the lawsuit.

General Liability Insure does not warrant or make any representations regarding the usefulness of or the expected results of the material contained on this website. You should contact your attorney, accountant and/or financial adviser to obtain advice with respect to any particular commercial insurance question, claim or issue. Lodging PlacesFind out what types of business insurance that New York hotels, motels and other lodging places should have to protect their varied operations. Information Technology and InternetLearn about New York IT technology insurance policies that help protect IT businesses, consultants & subcontractors from the unique risks that small tech businesses face when they work. BondsLearn about surety and fidelity bonds which are types of insurance that are used to protect against damage or loss in commercial transactions. They include the business type, location of your business, the total number of employees in your business, as well as the risk level your business is exposed to.

How do I get caregiver business insurance?

I would suggest him because he helped me find a affordable rate and explained all the technicalities.. Get your business covered with a comprehensive policy from BizInsure! We offer General Liability Insurance, Professional Liability Insurance, also known as Errors & Omissions insurance (E&O), Workers Compensation Insurance, and Business Owner’s Policy.

On-the-job injuries can happen at any time, and working in the presence of medical devices and chemicals make for potentially serious accidents. Workers’ compensation insurance protects employees by guaranteeing financial benefits for a set duration for qualified injuries sustained while working. New Jersey requires most employers to carry workers’ comp insurance, but it is also a good idea for those outside New Jersey’s business requirements.

General Liability Insurance Quote Forms

In such circumstances, we have the right and duty to defend our client against legal actions seeking those damages. Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade. General Liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for some injury or damage. Your “per occurrence,” sometimes written as “per claim,” limit refers to the total amount the insurance company will pay per incident during the policy term. Your “aggregate” limit is the total amount the insurance company will pay for multiple claims over the course of one policy term .

All CM&F home health care group professional liability insurance policies include Workplace liability insurance to provide coverage for claims of bodily injury or property damage brought by patients. Additional general liability coverage is available as an add-on in the application process. Hand-in-hand with general liability, professional liability insurance protects healthcare professionals from patient claims of negligence or malpractice, and protects your business from lawsuits filed against a staffed employee. This type of insurance is especially critical for anyone in the healthcare industry, as such claims against professional competence are not uncommon. Medical and DentalDiscover New York business insurance for medical and dental professionals.

Insurance for Home Healthcare

We browse through a wide variety of coverages and find the right one for you. Your documents are also available for access 24/7 in your personal insured access portal account. Within the portal, all clients are able to download, print, or email their documents whenever needed. With The Doctors Insurance Agency you will find the right coverage for your Home Health Care business needs and budget. "Raynaldo made quick work of things. I told him what I needed, and ultimately I had a certificate of insurance in a matter of hours." As we celebrate the holidays, phone and email support may be limited on Friday, 12/23, and Friday, 12/30 through Monday, 1/2.

Once you submit your application, you are emailed your coverage documents in minutes – No Delay, No Headache. “Occurrence” or “claims made” refers to the type of policy coverage you’d be purchasing. The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by Agency Revolution to provide information on a topic that may be of interest.