What Coverages Does In Home Health Care Insurance Provide?
As mentioned, in home health care policies normally offer multiple coverages and those coverages can vary. Some of the protections that a policy may make available are:
In addition to these, policies frequently also offer business income coverage, cyber liability coverage and many other protections.
Are Instances of Abuse and Molestation Covered by In Home Health Care Insurance?
Broadly speaking, many in home health care policies offer protection against abuse and molestation accusations in one form or another. Some policies include this within their standard general liability protections, while others make it available through an additional, distinct protection.
Since exact protections are determined by policies’ particular terms, conditions and exclusions, whether any one policy covers instances abuse and/or molestation is determined by that policy’s own documentation. Businesses should carefully review their policy’s documents with a knowledgeable insurance agent so they have an accurate understanding the protections afforded.
What Type of Commercial Auto Coverage Should In Home Health Care Businesses Have?
Insurance companies frequently make a couple of different kinds of commercial auto coverage available, and which one is appropriate for a business depends on who owns the vehicles that business relies on.
Businesses that own commercially registered vehicles that employees drive while working usually need a full-fledged commercial auto coverage. This is a fairly traditional option, with protections being similar to what’s found in personal auto policies (but slightly adjusted for businesses’ needs).
Businesses that have employees drive their own vehicles for work might only need hired and non-owned auto coverage. This typically gives a business liability protection when the employee-owned vehicles are being driven to and from patients’ locations.