Essential Insurance Policies for Florida Home Health Agencies

Running a home health agency carries risks most businesses never face, including employee injuries in client homes, professional liability claims and vehicle accidents during patient visits. The right insurance coverage financially protects your staff, your clients and the agency.

Professional Liability Coverage

Home health agencies face exposure to claims alleging errors, omissions or negligence in the delivery of care. Professional liability insurance, often called errors and omissions coverage, addresses these claims and covers legal defense costs and settlements up to your policy limits.

General Liability Insurance

General liability coverage addresses third-party bodily injury and property damage claims. If a caregiver accidentally damages a client’s home or a visitor is injured at your office, this coverage responds to those claims.

Workers’ Compensation Insurance

Home health employees work in unpredictable environments. Workers’ compensation insurance covers medical expenses and lost wages when an employee is injured on the job, and it is typically required in Florida for non-construction businesses with four or more employees.

Commercial Auto Insurance

Caregivers driving to client locations create vehicle liability exposure. A commercial auto policy, or hired and non-owned auto coverage added to a businessowners policy, covers accidents that occur during work-related travel.

Additional Coverages to Consider

Depending on your operations, your coverage may also include:

• Cyber liability insurance, which covers data breaches involving protected health information.
• Employment practices liability insurance for claims related to hiring, termination or workplace conduct.
• Umbrella liability coverage to extend limits above your underlying policies.

Protecting Your Agency With the Right Coverage

No two home health agencies carry identical risk profiles. Staffing size, service area and the types of care provided all influence which coverages belong in your policy mix and how to structure limits.

Contact Park & Associates, Inc to review your current coverage and build a policy package suited to your agency’s operations. We proudly serve agencies in Boca Raton, FL and can help you put the right coverage in place.

 

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.