- What is it?
Home care insurance is business insurance for home care agencies and caregivers that provide in-home healthcare services. It helps protect against professional liability, general liability, and other risks that can affect a home care business.
- Who’s it for?
- Home Health Care / In-Home Health Care
- Hospices
- Staffing Agencies & Registries
- Infusion Therapy
- Home Health Aides
- Personal Care Assistant(s)
- And more
- What is offered?
- Workers’ Compensation Insurance
- General and Professional Liability
- Employment Practice Liability
- Business / Owned Auto
- Non-owned and Hired Auto
- Sexual Abuse
- Crime – Third Party Theft
- Employee Dishonesty Bond
- Cyber & Identity Theft
- Medical Billing E&O
- Property Coverage and more.
HOME CARE AGENCY INSURANCE IN NEVADA AND CALIFORNIA
In conjunction with our parent company, Heffernan Insurance Brokers, we have access to exclusively developed insurance programs dedicated to home care businesses, home health businesses, hospices, and other allied health operations covering all states and agency sizes.
We support home care providers in multiple ways, from quoting comprehensive commercial insurance solutions or reviewing existing policies to identify gaps or deficiencies. Our goal is to make sure your coverage is structured to protect your business when unforeseen events arise.
Having the right insurance for your home health business means you can continue to provide excellent care to your clients while resting assured that you are protected against the major liability and employment related exposures your business faces.
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Comprehensive Coverage
You and your team of caregivers do important work, and your impact on the lives of your clients goes far beyond your homemaking and support functions. Your emotional support and companionship are critical to their wellbeing and happiness.
We understand that working with elderly, ill, or otherwise frail adults can expose you and your business to liabilities. That’s why you need comprehensive coverage that can protect you and your employees so you can provide your services with confidence. As trusted insurance broker partner, we will provide that.
Whether you are self-employed or are rapidly expanding your agency, our insurance, regulatory, and compliance expertise can help. Our exclusive products are designed with this specific focus.
Home Care Workers’ Compensation
Workers’ compensation for home care workers can significantly impact your operating expenses. Our home care insurance specialists help you navigate workers’ compensation coverage and premiums while ensuring employees are properly classified. Accurate classification helps prevent costly audits, penalties, and premium surprises, and we can guide you on ways to control costs and reduce risk.
Why We’re the Right Choice for Your Home Care Liability Insurance Provider
Home care agencies and caregivers who assist clients with activities of daily living in the home face distinct liability exposures. Our home care insurance specialists design tailored insurance programs to help safeguard your business, including coverage options such as home care liability insurance and workers’ compensation.
You’ll have peace of mind that your business is supported by one of the nation’s largest insurance brokers and one with a niche focused exclusively on home health care. As proud partners of CAHSAH and the Home Care Association of America, we remain intricately connected to the challenges home care business owners and care providers face.
Home Care Insurance Cost for Start-ups
Several factors influence the cost of a home care insurance package, including your agency’s annual clients and annual employees. Workers’ compensation is based on a percentage of your payroll. Liability is generally based on exposure and estimated revenue.
However, insurance rates for home care agencies may vary from state to state so please contact us for free quotes for all your insurance needs. For more information on home care insurance rates, watch our short video.
If you are starting a home care business, you should begin the insurance application process at least 30 days prior to working with clients.
Take the next step to getting the right home care insurance coverage. Contact TWIS Insurance Services today!
Who needs Home Care Insurance?
Insurance for home care providers is critical for businesses delivering in-home services, including home health agencies, personal care aides, hospice providers, and other allied health-related businesses. With exposures ranging from liability claims to property damage and employee-related risks, having the right home care insurance helps protect your business and its operations.
What does Home Care Insurance cover?
Home care insurance coverage includes protection against risks specific to in-home care services. It typically covers general liability, professional liability, and workers’ compensation, and abuse and molestation. Additional protections include hired & non-owned auto liability, commercial (owned) auto liability, property damage, equipment breakdown, and business interruption. Tailored policies may also cover cyber liability as well as protection for owned assets at your business location or used in the field.
What are the costs of Home Care Insurance?
How to get Home Care Insurance?
To get home care insurance, contact an experienced insurance broker specializing in the home care industry. They will assess your needs, including coverage for general liability, professional liability, and workers’ compensation. Provide detailed information about your operations, such as employee numbers, service types, and unique risks. The broker will tailor a policy to fit your requirements and provide quotes from various insurers. Once selected, the broker will guide you through the application and underwriting process to secure coverage.
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