Coverages

At Home Health Expert, our coverage protects your business, from employee safety to liability and assets.

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Hired and Non-Owned Auto Insurance​

Essential for home health and hospice providers, where transportation plays a critical role in daily operations such as patient visits, delivering medical supplies, or attending meetings.

This coverage protects your business from liability when employees use personal or rented vehicles for work purposes. In the event of an accident during business operations, it safeguards your company against lawsuits and financial losses, covering bodily injury and property damage claims.

By securing Hired and Non-Owned Auto Insurance, you ensure that your services can continue uninterrupted, offering peace of mind that your business is protected on the road.

Workers Compensation Insurance

Essential for home health care and hospice providers due to the physically demanding nature of the job. This  coverage protects your employees in case of work-related injuries or illnesses, such as lifting injuries, slips, or exposure to infectious diseases.

Workers Compensation covers:

  • Medical expenses
  • Rehabilitation costs
  • Lost wages

By providing this insurance, you reduce the financial burden on both employees and your business while protecting your company from potential lawsuits. For home health and hospice providers, comprehensive Workers Compensation Insurance is not only a legal requirement but also crucial for maintaining workforce morale and ensuring smooth operations.

General Liability Insurance

Essential for home health care and hospice providers, offering protection from various common risks such as:

  • Third-party bodily injury
  • Property damage
  • Personal injury claims

With caregivers frequently entering patients’ homes, the likelihood of accidents or claims is heightened. This coverage protects your business from incidents such as:

  • Slip-and-fall accidents during visits
  • Damage to patients’ property

It ensures that legal defense costs, medical expenses, and settlements or judgments are covered. With General Liability Insurance, your business can operate securely, knowing you’re safeguarded against unexpected liabilities.

General Liability Insurance

Essential for home health care and hospice providers, offering protection from various common risks such as:

Third-party bodily injury
Property damage
Personal injury claims

With caregivers frequently entering patients’ homes, the likelihood of accidents or claims is heightened. This coverage protects your business from incidents such as:

Slip-and-fall accidents during visits
Damage to patients’ property

It ensures that legal defense costs, medical expenses, and settlements or judgments are covered. With General Liability Insurance, your business can operate securely, knowing you’re safeguarded against unexpected liabilities.

Professional Liability Insurance

Crucial for home health care and hospice providers delivering specialized medical care. This coverage protects your business from claims of negligence, malpractice, or errors in service that could lead to patient harm.

Key protections include:

  • Claims for negligence or malpractice
  • Legal defense costs
  • Settlements and damages

In an industry where care quality is paramount, even minor mistakes can result in legal challenges. This insurance is vital for shielding your business from financial risks and preserving your reputation.

Sexual Abuse and Molestation (SAM) Coverage

Vital part of risk management for home health care and hospice providers.

Due to the close, personal nature of the services offered, businesses in this field face a heightened risk of abuse or misconduct allegations, whether valid or not.

SAM Coverage shields your company from the financial and reputational damage these claims can cause, covering legal defense, settlements, and judgments.

This insurance not only offers a crucial financial safeguard but also reinforces your commitment to protecting clients and employees, helping maintain trust and ensuring your business is fully prepared for any scenario.

Sexual Abuse and Molestation (SAM) Coverage

Vital part of risk management for home health care and hospice providers.

Due to the close, personal nature of the services offered, businesses in this field face a heightened risk of abuse or misconduct allegations, whether valid or not.

SAM Coverage shields your company from the financial and reputational damage these claims can cause, covering legal defense, settlements, and judgments.

This insurance not only offers a crucial financial safeguard but also reinforces your commitment to protecting clients and employees, helping maintain trust and ensuring your business is fully prepared for any scenario.

Excess Coverage

Excess Coverage, or Umbrella Insurance, provides an additional layer of protection for home health care and hospice providers by extending the liability limits of your underlying policies, such as

  • General Liability,
  • Professional Liability, and
  • Auto Insurance.

In an industry where the stakes are high, and the potential for costly claims is ever-present, Excess Coverage ensures that your business is not left vulnerable if a claim exceeds the limits of your primary insurance.

This coverage is particularly valuable for providers with significant assets or those operating in litigious environments. By investing in Excess Coverage, you protect your business from catastrophic financial losses, allowing you to focus on delivering compassionate care without worrying about the risks associated with high-value claims.

Specialized Expertise

Over a decade of home health and hospice insurance experience.

Competitive Edge

Access to multiple carriers for competitive, tailored solutions.

Nationwide Licensing

Serving clients in every state with top coverage and rates.

All Business Sizes

Expertise and resources for businesses of any size.