Every home health business wants their works to be protected. Research by the US Bureau of Labor Statistics shows that the injury rate for those working in the home health is twice that of hospital workers. One way that these workers stay protected is through home health workers insurance. The field of home health is one of the ten fastest There are certain types of insurance for home health workers you will want to know about.
- General Liability Insurance
Having home health care liability insurance means protection against many business situations. Your home health business likely involves workers interacting with many patients. Throughout the course of any day, an unfortunate accident can happen. Having general liability insurance helps to ensure your business is protected to defend itself. This form of insurance typically covers the costs associated with many claims. One common claim a home health business might receive is that of bodily injury. You want your business to be well protected in the event that any such claim is made. Having home care liability insurance will help protect your company against accusations.
- Vehicle Insurance
Many home health businesses regularly have employees on the open road. Home health workers may find themselves driving to a client’s house, transporting a client, or dropping something off for them. Many businesses must be able to see patients at their homes. Patients may live across multiple areas of town. Therefore, it makes perfect sense that your employees have home health workers vehicle insurance. Accidents occur on the open road every single day. Having automobile insurance for home health workers vehicles helps protect your company. The cost of dealing with an automobile collision without insurance is a major cost for a small business.
- Workers Compensation Insurance
Having home health workers compensation insurance is a wise idea. Working in the field of home health is a welcome career choice for many. However, this job is one where workers will always be on the move. Having home health care workers compensation insurance keeps workers protected. An injury can come in many forms and strike at nearly any time. Home health care workers compensation insurance is easier to receive than you might think.
In closing, there are three main types of insurance for home health workers. General liability is a wise idea for any home health business. This form of liability insurance protects your business against many types of accusations. Vehicle liability insurance is important to have when employees are regularly on the road. This form of insurance protects vehicles and workers in the event of a collision. Home health care workers compensation insurance protects your employees right to receive wages after being hurt on the job.