Home Health Care Insurance

Insurance Protection for Home Health Care Providers

Home health care providers face a variety of risks while serving clients. While most interactions go smoothly, a misunderstanding, a service error, or another unforeseen circumstance can lead a client or family member to allege harm or loss. Questions about responsibility, liability, or a potential claim can follow, and having the right coverage in place can help protect your business.

Home health has also changed, expanding from basic aide and LPN visits to infusions, complex treatments, and telehealth, often delivered by nurse practitioners, physician assistants, or physicians. As the population ages and demand grows, providers can expect continued scrutiny from regulators and payers.

Whether you operate a traditional home health agency, provide skilled nursing or therapy services, or deliver care exclusively through telehealth, B. F. Saul Insurance can help you manage the risk that comes with providing care in an unpredictable environment.

Our experienced team will develop a custom insurance solution that addresses your specific exposures, drawing from coverage options like:

• Professional liability insurance to protect against claims that the care you provided, or failed to provide, caused a client harm.
• Workers’ compensation insurance to provide coverage if a caregiver is injured while assisting a client.
• Commercial auto insurance to cover the vehicles caregivers use to travel between client visits.
• Employment practices liability insurance to protect against claims like wrongful termination, retaliation, and harassment.
• General liability and abuse coverage to address bodily injury or property damage claims from clients or other third parties, along with abuse and molestation exposure.
• Cyber liability insurance to protect against a data breach or privacy incident.
• Crime insurance to cover losses from theft or dishonest acts. The coverage most critical for home health is protection against theft of a client’s property.
• Management liability insurance, including directors and officers (D&O) coverage, to protect your leadership against allegations tied to decisions about staffing, care planning, or oversight.