Employees who work for home health agencies are consistently exposed to much more unpredictable work environments at the homes of their patients. They are also working with less medical equipment at their fingertips and are under a very minimum of supervision. This can subject them to much greater risk than that of those working in a normal health care workplace, and many of their actions may not be covered under a general liability policy. Therefore, obtaining specialty insurance programs for home healthcare providers is an essential part of conducting business.
Protect Hardworking Professionals
The myriad of nurses, physical therapists, home health aides and even doctors who go into homes can benefit from the protection of several different kinds of insurance as they drive to their jobs and see patients:
- General Liability
- Professional Liability
- Hired and Non-Owned Auto
- Workers Compensation
Find Coverage for Management Risks
The administration of this type of business is complex and fraught with exposures. Safeguard the managers and human resources department of the company in many financial and legal situations for home healthcare providers at all levels of the company with the following customized specialty insurance programs:
- Directors & Officers Liability (D&O)
- Regulatory Audit (RAC) Insurance
- Employment Practices Liability Insurance (EPLI)
Each company should work with an experienced specialty broker who can correctly assess the liability risks for each aspect of the complex business and choose between specialty insurance programs for home healthcare providers to create the correct type and amount of coverage. The right program will offer peace of mind and more time to provide quality service to those who need it.