Connect insurance to the operation
Home health agency insurance should follow the services delivered in clients' homes, the credentials and duties of nurses, therapists, aides, caregivers, employees and contractors, patient acuity, supervision, documentation, transportation, privacy obligations, contracts, and the potential severity of an alleged care error. Coverage should distinguish premises and operational liability from professional services and employment, vehicle, cyber, crime, and client-property exposures. Home health care insurance for agencies providing in-home nursing, therapy, personal care, caregiver, and related services that need general liability, professional liability, BOP, cyber, auto, workers compensation, and fidelity protection.
Required policies and limits
Review the current operation, credible loss scenarios, management controls, contracts, requested limits, and the policy terms intended to address this issue.
Additional insured and waiver wording
Review the current operation, credible loss scenarios, management controls, contracts, requested limits, and the policy terms intended to address this issue.
Indemnity, notice, and recordkeeping
Review the current operation, credible loss scenarios, management controls, contracts, requested limits, and the policy terms intended to address this issue.
Risks that deserve specific attention
Alleged patient injury, care error, supervision failure, medication issue, or other professional liability claim
Describe where the exposure occurs, who controls it, how frequently it arises, what could make a loss severe, and which documented controls are in place.
Employee or caregiver injury, employment practices, abuse or molestation allegations, and staffing or credentialing failures
Describe where the exposure occurs, who controls it, how frequently it arises, what could make a loss severe, and which documented controls are in place.
Client-home property damage, theft or dishonesty allegations, vehicle use, cyber and privacy events, and interrupted operations
Describe where the exposure occurs, who controls it, how frequently it arises, what could make a loss severe, and which documented controls are in place.
Coverage areas to coordinate
Professional Liability and General Liability appropriate to the home health services performed
Confirm limits, deductibles, covered entities, locations, operations, exclusions, endorsements, and how this protection coordinates with the rest of the program.
Business Owner's Policy or property, cyber, crime or fidelity, and business income where eligible
Confirm limits, deductibles, covered entities, locations, operations, exclusions, endorsements, and how this protection coordinates with the rest of the program.
Workers' Compensation, commercial auto or HNOA, EPLI, umbrella or excess, and other coverage where appropriate
Confirm limits, deductibles, covered entities, locations, operations, exclusions, endorsements, and how this protection coordinates with the rest of the program.
Build a useful submission
- Describe every operation, ownership entity, location, service, customer type, and material change since the prior policy began.
- Provide current revenue, payroll, values, vehicles, equipment, contracts, and currently valued loss information when available.
- Explain significant claims, near misses, corrective action, safety procedures, training, maintenance, and management oversight.
- Identify requested effective dates, contract deadlines, lender or landlord requirements, desired limits, and deductible preferences.
Questions the review should answer
How will the program address alleged patient injury, care error, supervision failure, medication issue, or other professional liability claim?
Connect the answer to the appropriate policy, limit, deductible, endorsement, exclusion, operational control, and recovery plan.
How will the program address employee or caregiver injury, employment practices, abuse or molestation allegations, and staffing or credentialing failures?
Connect the answer to the appropriate policy, limit, deductible, endorsement, exclusion, operational control, and recovery plan.
How will the program address client-home property damage, theft or dishonesty allegations, vehicle use, cyber and privacy events, and interrupted operations?
Connect the answer to the appropriate policy, limit, deductible, endorsement, exclusion, operational control, and recovery plan.
Frequently asked questions
What information helps prepare a Home Health Care Agencies insurance contracts and certificates review?
Start with a clear description of the operation, locations, ownership, revenue, payroll, property, vehicles, contracts, current insurance, and loss history. For home health care agencies, pay particular attention to alleged patient injury, care error, supervision failure, medication issue, or other professional liability claim, employee or caregiver injury, employment practices, abuse or molestation allegations, and staffing or credentialing failures, client-home property damage, theft or dishonesty allegations, vehicle use, cyber and privacy events, and interrupted operations.
Which policies commonly deserve attention for home health care agencies?
The starting coverage areas include professional liability and general liability appropriate to the home health services performed, business owner's policy or property, cyber, crime or fidelity, and business income where eligible, workers' compensation, commercial auto or hnoa, epli, umbrella or excess, and other coverage where appropriate. Actual needs depend on the operation, contracts, locations, people, property, vehicles, services, and available market terms.
Coverage descriptions are general. Eligibility, availability, limits, deductibles, valuation, exclusions, and policy terms vary by operation and insurance market. Actual policy documents control.