Being prepared with the right home health care insurance will help you develop a strong system in your company. It’s important to have a tight process so everything is clear and understood. When opening your own home healthcare agency there are many opportunities for risk. As an employer, you take on the extra risk of being unable to supervise your employees.
Workers comp insurance
Workers‘ compensation is insurance that provides benefits and medical care for workers who are injured or become ill as a result of their job. Many caregivers could end up in a situation trying to care for somebody but becoming injured. This makes it an important asset to have. 
Disability insurance
This insures the beneficiary’s earned income against the risk that a disability creates a barrier for a worker to complete the core functions of their work. People are 3 times more likely to become disabled than die before the age of 65- so it makes sense to consider this type of insurance.
Professional Liability Insurance
This is liability insurance which helps protect service-providing individuals and companies. This protects them against financial losses from lawsuits filed against them by their clients. Even the best healthcare providers can come into contact with a dissatisfied client
General Liability Insurance
This covers any instance of lawsuits and injury damages. With this in mind, there’s a lot of things that General Liability insurance doesn’t cover. Damage to your property, Employee injuries, Employment disputes, Damage to your vehicle’s, and professional mistakes.
These 4 options are something that one should consider for home health care insurance. Preparedness and awareness are also the best things you can do for your company. Still need help? For more information book a 5-minute call with a risk advisor or call 914-357-8444.
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