Home Healthcare Liability Insurance
Liability insurance is essential for home healthcare providers because they deliver medical and non-medical services in a patient’s home, >which comes with unique risks.
Home Healthcare providers are responsible for patient care in less controlled environments than hospitals or clinics, where equipment, assistance, and supervision may be limited. If a home healthcare provider causes injury, neglect, or mismanages a patient’s care, they could face costly lawsuits for negligence or malpractice.
Liability insurance covers legal defense fees, settlements, and any judgments, protecting providers from the financial risks associated with legal claims.
Get a Free Quote Now
The fastest way to find the most suitable insurance coverage for a home healthcare organization is to fill out our quick quote form, so we can give you an idea of the type of insurance coverage that best suits you.
Westwood Insurance works with a number of different carriers to ensure you have the most suitable insurance coverage at the best price.
Liability Insurance for Home Healthcare can include:
- Bodily Injury Coverage
- Property Damage Coverage
- Premises Liability including slips, trips, and falls
- Completed Operations Coverage
- Personal and Advertising Injury including Defamation (slander or libel)
- Medical Payments Coverage
- Legal Defense Costs
- Legal defense expenses covered in addition to liability limits
- Abuse and Molestation (SAM) Coverage (limited coverage)
Why do Home Healthcare Providers need Liability Insurance?
Liability insurance is essential for home healthcare providers to help you with challenges unique to your sector, including:
- Professional Liability: Home healthcare providers, including nurses, aides, and therapists, may face claims of malpractice or negligence while providing care in patients’ homes.
- Regulatory Compliance: Home healthcare providers must comply with various federal, state, and local regulations, including licensure, certification, and patient privacy requirements. Non-compliance can lead to penalties and legal action.
- Infection Control and Health Hazards: Home healthcare providers may encounter infectious diseases and other health hazards while providing care in patients’ homes.
- Data Security and Privacy: Home healthcare providers handle sensitive patient information, making them vulnerable to data breaches and cyber risks.
- Personal Safety Risks: Home healthcare providers face personal safety risks while providing care in patients’ homes, such as potential encounters with hostile family members or dangerous environments.
- Recruiting and Retention Challenges: Home healthcare providers may struggle with recruiting and retaining qualified staff due to the demanding nature of the work.
Westwood Insurance Group will source the most suitable liability insurance coverage for you, from the different insurers we work with at the best price. Contact us now for a no-obligation quote
What types of Insurance do Home Healthcare Providers need?
General Liability Insurance
Professional Liability Insurance
Sexual Abuse and Molestation Insurance
Commercial Property Insurance
Workers Compensation Insurance
Cyber Liability Insurance
My Insurance agency has done business with Westwood for over 10 years and always found them to be professional...
Shira Abrams
02 May, 2023
I’ve worked with Michael Richards and his team now for many years and I can unequivocally say that they are by far the...
Joe Roth
11 June, 2023
Westwood Insurance Group, with Dale and Liz are a pleasure to work with in helping solve for my insured’s insurance needs...
Greg Cullom
08 Nov, 2023
Laura has been a great contact for us over at the Westwood Insurance Group. She is extremely communicative...
Hayley Shryock
30 June, 2023
Kathy Natale
25 Sept, 2024
Speak with an Insurance Professional
Dale Nelson
Dale specializes in sourcing the most suitable insurance for home healthcare organizations at the best price. You can call him or fill out the form and he will get your message directly.