Professional Liability Insurance For Home Health Care Providers
Home health care providers deliver essential services directly to patients in their homes, but this growing field comes with unique risks and liabilities. Whether you’re a home healthcare agency, a private caregiver, or a provider of medical equipment, having the right home health care business insurance is crucial to protect your organization, your staff, and the patients you serve.
At PenEx: A Villanova Insurance Partners Company, we offer comprehensive home health care liability insurance designed to safeguard your business from professional, legal, and operational risks. As demand for in-home care continues to rise, especially with an aging population, now is the time to make sure your business is fully protected.
Who Is Eligible for Home Health Care Liability Insurance?
- Home healthcare agencies & caregivers
- Hospice care providers
- Visiting Nurse Associations (VNA)
- Companion care businesses
- Home infusion therapy providers
- Durable Medical Equipment (DME) and Home Medical Equipment (HME) providers
- Medical supply distributors and retailers
- Drug distributors
Who Is Not Eligible?
- Nursing homes and long-term care facilities
- Correctional healthcare facilities
- Mail-order pharmacies
- Medical device manufacturers
- DME resellers or repair shops
- Wholesale pharmaceutical compounding services
- Correctional care staffing agencies
What’s Covered Under Our Home Health Care Insurance Plans?
Professional Liability Insurance for Caregivers
Also known as Errors and Omissions Insurance, this covers claims of negligence or malpractice during caregiving duties. It protects home health aides, nurses, and other care professionals from lawsuits related to mistakes or unintentional harm while performing patient care.
General Liability Insurance for Home Health Providers
This essential coverage protects your business from non-professional liabilities, such as third-party injuries, property damage, and personal injury claims. We offer broadening endorsements to enhance your protection even further.
Property Insurance
Cover damage to office equipment, medical tools, or client property. Our policies also include coverage for lost medical records, misplaced keys, or specialized care equipment.
Commercial Auto Insurance
Home healthcare workers often rely on personal or company vehicles for travel. Our auto insurance for home health care professionals provides coverage for property damage and injury while on the road.
Umbrella Insurance
Adds an extra layer of protection beyond standard policy limits, ideal for covering high-cost claims and reducing premiums across individual policies.
Medicare Surety Bonds
If your business provides Durable Medical Equipment (DME) to Medicare patients, we’ll help you meet compliance with required surety bonds—protecting you from financial loss.
Workers’ Compensation Insurance
Protects employees injured on the job. Our Pay-As-You-Go workers’ comp option helps align premium payments with payroll cycles for improved cash flow.
Fidelity and Crime Bonds
Covers losses caused by fraudulent acts or employee theft—critical protection in industries based on trust and access.
Abuse and Molestation Coverage
Unfortunately, allegations of physical abuse or sexual misconduct can occur. Our coverage ensures your business is protected if a claim arises.
Employment Practices Liability Insurance (EPLI)
Covers your legal defense and settlements in employee disputes, including discrimination, wrongful termination, and workplace harassment.
Independent Contractor Liability Coverage
Protects your business from mistakes or omissions made by third-party medical or non-medical contractors under your direction.
Medical Director’s Professional Liability
Specifically designed for professionals overseeing care delivery, this policy covers administrative and clinical responsibilities.
HIPAA Defense and Administrative Coverage
Includes legal defense in cases of HIPAA violations or audits, protecting your reputation and finances.
Cyber Liability & Data Breach Insurance
Healthcare data is a high-value target for hackers. Our data breach protection for home healthcare providers covers notification costs, legal fees, and recovery expenses.
Emergency Evacuation and Management Expense
Natural disasters or patient emergencies can result in unexpected costs. This coverage reimburses your business for expenses related to emergency actions.
Public Relations and Reputation Management
In the event of false claims or media attention, this policy helps restore public trust and repair your brand image.
Flexible Billing and Easy Payment Options
We understand your business runs around the clock. That’s why we offer customized payment plans and online billing for convenience.
Why Choose Our Home Health Care Business Insurance?
- Tailored Coverage: We understand the unique challenges of in-home care. Our policies are customized to fit the specific needs of your business, whether you’re a solo caregiver or manage a full team.
- Comprehensive Protection: From general liability and professional liability to workers’ compensation and cyber liability, we help you stay covered from all angles.
- Quick Claims Process: When incidents happen, our team moves fast. We streamline claims to minimize downtime and keep your business running smoothly.
- Expert Support: Our team knows the home health care industry inside and out. We offer guidance and risk management strategies tailored to your operations.
- Affordable Plans: Quality protection shouldn’t break your budget. We offer competitive rates with flexible payment options to help you stay protected and profitable.
Whether you’re just starting out or expanding your services, our home health care business insurance provides the peace of mind you deserve.
Protect Your Home Healthcare Business with Liability Insurance for Home Health Care Providers
A lot can go wrong in-home healthcare, but with the proper home healthcare insurance coverage plans in place, you can rest assured that you’ll be protected, and your business won’t be lost. At PenEx, we combine industry expertise with a personalized approach to offer top-rated home health care insurance. Our goal is to protect your business from costly risks and legal claims while supporting your growth.
Don’t leave your reputation or business assets unprotected. Speak with one of our agents to explore affordable home healthcare liability insurance tailored to your needs.