Home Healthcare Insurance
Home Healthcare providers and the organizations they represent play a vital role in addressing the daily medical needs of the ill and the elderly. Under contract with hospitals, rehabilitation facilities and physicians in order to provide care, home healthcare organizations must meet numerous regulatory hurdles and require home healthcare insurance to protect themselves and their workers from hazards faced every day.
During the course of duty, home healthcare service providers become responsible for their patients wellbeing, from wound care, to chronic pain management, to managing prescription medications. These personnel can find themselves in circumstances wherein a patient takes a turn for the worse and they face scrutiny. A standard general liability policy for a home health care business should protect you and generally provides for as much as $1 million per claim. Both professional and general liability must be part your home healthcare insurance portfolio.
Other home healthcare insurance lines to consider include:
- Workers Compensation
- Non-Owned and Hired Auto
- Directors & Officers Liability
- Employment Practices Liability, and
- Regulatory Audit Insurance
Make sure you receive all necessary policy features to support your business. Find out how responsive their underwriters or representatives may be. When claims are made you need them to display a level of professionalism and support.