The home care industry is unlike other businesses. Home care workers enter clients’ homes to administer medications, care for patients, help with rehabilitation, and sometimes complete small household tasks for clients. Each visit to a new client involves entering an unknown work environment. Each new client brings new risk to not only home care workers that are entering the homes, but to the company as well. Liability stakes are high when employees work in uncontrolled environments. Therefore having a good liability policy in place for your home care business is important.
There are several different types of liability insurance for home care operations:
- General Liability
- Professional Liability
- Sexual Misconduct
- Hired & Non-Owned Auto
- Property & Business Interruption
- Crime-Employee Dishonesty/Third Party Theft
- Excess Limits
- Business Auto
- Employment Practices Liability
There are many different tasks involved for home care workers. Each type of liability insurance covers a different aspect of the home care business. When accidents happen, it is sometimes hard to determine liability because the only people present during some claims are the client and the worker. And those types of claims can put home care agencies into serious financial trouble without proper coverage.
For example, some cases require home care workers to drive clients to and from appointments. If the home care worker and the client are involved in a motor vehicle accident, and the client sues the company for negligence stating the worker did not properly secure the client’s seatbelt, the company’s liability insurance will cover the defense cost to prove innocence of the worker.
Keeping your home care business financially secure when it may be held liable for claims that occur is important. Talk with us about home care liability insurance for your home care business.