Home Health Care Providers

Home health care includes skilled nursing care, as well as other skilled care services, like physical and occupational therapy, speech-language pathology (therapy) services. Services may also include medical social services, and assistance from a home health care aide (when needed by people also receiving skilled care). Home Health Care includes such services as;

You need to protect yourself, your business and your employees as you take care of your clients. There is no one answer for all home care providers. There are certain issues common to all home health care providers and that is where we start. Knowing what to ask and how to solve the more difficult issues is where Conner Insurance Agency differs. We learn your business so that we can take care of you as you take care of others.

You care for others and need an agent that can take care of you.

Your services are provided by a variety of health care professionals in the patients’ home. This exposes you to a far greater liability for the care, custody and control of client’s property and other assets.

The home health care staff provides and helps coordinate the care and/or therapy the doctor orders. In support of the doctor’s orders, home health care staff develops a written care plan. It tells what services a patient will get in order to reach and keep their best physical, mental, and social well being. This exposes you and your employees to professional liability of failing to act or acting not in accordance to orders.

Because you are in someone’s personal home, often on a one-on-one basis, there is the exposure to accusation of sexual or physical abuse. Often home health agencies find the cost to defend themselves from a groundless lawsuit to be the greatest exposure. If an employee is found to be guilty of improper acts, punitive damages could be another large exposure that is often excluded in policies.

What factors do insurance companies consider when
underwriting a home health care agency?

• How many years experience do you have in the industry?
• What credentials do the owners, managers & key employees have?
• Do you hold any formal accreditation from State or industry associations?
• Does your company obtain federal & state background checks on current & potential employees?
• Do you screen for criminal backgrounds?
• Do you ensure that staff has valid professional licenses and are meeting educational requirements?
• Number & types of patient exposure?
• Do you utilize volunteers? If so, is there a formal training program and background check that includes volunteers?
• If durable medical goods exposure is part of your service instead of the main occupation, what is the percentage of sales?
• Does your service deal with children?
• Do you maintain motor vehicle reports and have policies for employee driving standards including use of personal vehicles while on the job?

Contact us today for a free insurance review and proposal!
1(800)725-4941

 agent@connerinsurance.com