Your home health care business provides quality care to those who need it the most. We want you to keep doing what you’re passionate about for years to come, and having the right home health care insurance will help you do that. We’ll walk you through some of the common risks and liabilities of home health care and help you find the customized coverage your business needs.

General Liability
General Liability coverage protects you from claims involving bodily injury or property damage that is not related to your professional duties. It is for “general” liabilities such as slip and fall accidents. For example, while at a client’s home you accidentally knock over an antique vase. It was an accident, but you are asked to replace the vase.

Sexual Harassment and Molestation
Physical abuse, such as sexual or other bodily harm and non-physical abuse, such as verbal, emotional or mental abuse. Errors, omission or misconduct

Professional Liability
Protects you from claims or accidents arising from the scope of your professional duties like acts of negligence. If you get sued, this insurance can pay your legal costs, which includes the cost of an attorney and a settlement if one is awarded.

Building Coverage
Protects your property in event of loss by fired, storm damage, theft, vandalism and tenant damage.

Business Personal Property
Protects your contents whether your own or rent an office

Business Auto
Covers and vehicle used for business

Hired and Non owned
Provides liability coverage for bodily injuries or property damage that you or your employees cause while driving for work. This protection applies to vehicles you “hire” (like a rental car) or vehicles your business doesn’t own (like employees’ personal vehicles).

Workers Compensation
Compensates employees who are hurt on the job. Pays medical/loss of income/death

Employee Dishonesty & Theft
Protects businesses against property thefts committed by employees.

Directors & Officers
Protects decisions made by a board member, should it gravely affect the business

EPLI
Protects the business against lawsuits brought on by employees for claims against unfair treatment and discrimination

Cyber Liability
Protects against cost incurred due to data breach

Umbrella
Adds additional coverages to all insurance lines covered, raises limits of protection