With more people preferring to have their health care in the comfort of their own home, home health care professionals are in greater demand. If you’re in this field you may be looking for an insurance program for home health care providers. There are a variety of programs available depending on your needs.
Professional liability coverage is important to any health care professional. Also referred to as malpractice insurance this coverage can help in the event of a mistake. This type of policy can cover costs including court settlements and defense costs among others.
Workers compensation policies may also be something you want to look over. There are a number of risks that can come with being a home health care worker. These can come from lifting and transporting patients, or working with various medical devices. For those with multiple employees, workers compensation may be a good plan to have in place.
Non-owned and hired auto insurance offers protection for those employees who regularly drive between clients, or transport clients in a personal vehicle. This form of insurance is supplemental to the employee’s personal insurance on their vehicle, but may offer additional coverage.
Finding the right insurance program for home health care providers to fit your needs may depend on thy type of medical care you provide. In most cases liability coverage is recommended, but you may want to consider other options to add to your plan.