Home health care agencies have many liabilities and responsibilities, whether they involve patients, employees or state or federal agencies. When you purchase insurance for your home health care business, make sure you have all the necessary types of coverage.
General Liability Insurance
In-home health, the environment is more unpredictable than in other healthcare settings, which means there is an increased risk for injury. General liability insurance will help protect your company in the event of an accident or injury involving employees or patients.
In addition to general liability insurance, adequate workers’ compensation will help cover expenses for you and your employees if one of them becomes injured on the job. Workers’ compensation for home health care agencies can cover accidents and injuries as well as exposure to diseases or dangerous substances.
Malpractice and E&O
As a medical provider, it is important to have malpractice and errors and omissions (E&O) insurance. This will help protect you and your employees in the event of claims of malpractice or negligence brought by patients.
In addition to the risks common to all medical practices, home health care agencies have their own unique risks. You can protect your agency, your employees, and your patients by ensuring that you have thorough insurance coverage.