Home Health Care Insurance from Massachusetts Specialists

What is Home Care Insurance?

Providing patients with medical services in their homes comes with a range of inherent risks, and it’s important for businesses in the home health care industry to protect themselves from risks when possible. Home care insurance helps Massachusetts businesses that provide in home health care shield themselves from a number of the perils they face.

Home care insurance is a specialized type of commercial insurance that’s designed to meet the insurance needs of businesses that provide in-home medical services. Policies are generally written as package policies that come with multiple coverages, which allows them to provide businesses with multiple protections.

What Businesses in Massachusetts Need In Home Health Care Insurance?

Most Massachusetts businesses that offer in home health care can benefit from the protections that an in home health care insurance policy offers. Such businesses include (but aren’t limited to) organizations that offer in home nursing, physical therapy, occupational therapy and hospice services.

Businesses that aren’t sure whether this is the right type of insurance for them should speak with an insurance agent who specializes in in home health care policies. A specialized agent will know what sorts of situations these policies are well-suited for, and they’ll be able to give informed advice regarding what kind of policy to get. They can recommend a different type of policy if it’s more appropriate, and they can assist with comparing in home health care insurance policies if this is the right option for a business.

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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:

• General Liability Coverage, which may cover various common accidents
• Commercial Property Coverage, which may cover owned supplies, equipment and buildings
• Commercial Auto Coverage, which may cover vehicles used for work
• Crime and Fidelity Coverage, which may cover employee theft and disappearance of clients’ property
• Directors and Officers Coverage, which may cover a business’ leaders against certain liability lawsuits
• Professional Liability Coverage, which may cover employees’ work-related errors
• Umbrella Liability Coverage, which may afford additional liability protection

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.