Home care agencies involve providing care to individuals who need daily care related to housekeeping and certain medical needs. While this provides an important service to these folks, it’s important to have the necessary coverage to avoid problems. Here’s why home care agency insurance is necessary for agencies, workers, and the people they care for.
Insurance Provides General Liability Coverage
Although general liability doesn’t sound specific to a home care agency’s needs, it provides protection against problems such as bodily injury and property damage. These are more likely to occur in someone’s home than a traditional healthcare setting, so it’s important to protect workers and the agency from these problems.
Worker’s Compensation Handles Injury Issues
Injuries are common at any job. For those involved working in people’s homes moving and handling patients, this is even more common. Having a worker’s compensation program on insurance can protect against a costly issue from arising.
Professional Liability Protection
Sometimes claims against agencies and the individuals working for them can arise. Even in cases where these claims are unfounded, it’s necessary to have insurance coverage in case the agency is taken to court. Having this kind of protection keeps agencies from getting involved in costly court proceedings.
Home health care agency insurance is necessary for agencies and individuals. It can protect against accidental injuries for the person receiving care as well as the worker. Altogether, this can save agency money should they get involved in court or need to pay out of pocket costs.