Home Health Care Business Insurance
Protection for Home Health Care Providers
Protect your mission to care for others.
Protect your mission to care for others.
You dedicate your life to caring for vulnerable people—elderly clients, individuals with disabilities, and those needing medical support in their homes. But providing such essential care comes with risks that could put your business, your staff, and your reputation in jeopardy.
The right home health care business insurance helps protect you so you can keep focusing on what matters most — your patients.
The Unique Risks You Face
Operating a home health care business means your staff is constantly on the move, visiting clients in different locations every day. That creates unique exposures, including:
Injury or damage during home visits. If a caregiver accidentally damages a client’s property or someone trips over your equipment, you could face a lawsuit.
Professional mistakes. A misunderstanding or perceived negligence during care could lead to legal action.
Sensitive situations. Allegations of abuse or misconduct, even if unfounded, can be financially and emotionally devastating.
Travel-related accidents. Employees driving to patient homes are at risk for accidents that could involve costly claims.
Theft or dishonesty. Unfortunately, incidents involving stolen property—whether from clients or the company—can occur.
Coverage That Fits Your Needs
A home health care business insurance policy can be designed to address the real-world risks you face every day. Common coverages include:
General Liability Insurance – Helps cover injury or property damage claims.
Professional Liability (Malpractice) Insurance – Protects against claims of mistakes or negligence.
Sexual Abuse and Molestation Liability – Addresses sensitive claims that could arise in your work.
Business Auto or Hired/Non-Owned Auto Insurance – Covers accidents involving company or employee-owned vehicles.
Employee Dishonesty/Crime Coverage – Helps recover losses from theft or fraud.
Cyber Liability Insurance – Protects against data breaches and theft of sensitive patient information.
Property Insurance – Covers your office space, medical equipment, and supplies.
Employment Practices Liability (EPLI) – Defends against claims of discrimination, harassment, or wrongful termination.
Why It Matters
Your business is built on trust, compassion, and reliability. One unexpected lawsuit, theft, or accident could disrupt your operations, damage your reputation, or even force you to close. With a tailored insurance plan, you can reduce those risks, protect your team, and ensure you’re able to continue providing the care your patients depend on.
Don’t let preventable risks threaten your mission.
Let’s create a coverage plan that keeps your business, your people, and your patients protected so you can focus on delivering exceptional care.
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