What is Malpractice Insurance for Home Health Care Providers?
Malpractice insurance for home health care providers offers protection from patients or coworkers who claim their negligence at work caused an injury.
Many employers may cover malpractice related claims, however the interests of the employee are often viewed as secondary. With individual home health care liability insurance coverage, the policy benefits and monetary coverage are guaranteed for the policy owner’s sole use. Home health care professional liability insurance protects you from litigation expenses, as well as gives you a team of industry experts that fight for your personal assets, professional credentials, and financial future.
What types of home health care malpractice insurance policies does CM&F offer?
Basic Malpractice Insurance Policy Options:
There are two types of basic malpractice insurance policy options: Occurrence and Claims-made. CM&F offers occurrence malpractice insurance for all home health care professionals, in addition to claims-made policies. An occurrence policy means that if a claim is made against a home health care provider regarding a past incident that occurred during a time they were previously covered under CM&F, that claim will be covered by CM&F even if the individual has since ended their policy. Since most malpractice claims are made 18-24 months after an incident occurs, this type of protection is vital. Claims-made insurance policies only protect professionals if they have insurance at the time of the claim. With occurrence policy insurance, there is no need to renew or buy tail coverage should an individual choose to leave CM&F or retire.
Where is my professional liability insurance applicable?
CM&F’s home health care malpractice insurance coverage is portable, which means as an individual moves, so does their coverage. CM&F’s personal liability insurance is attached to the individual, not their place of work. Not having your own, portable coverage separate from your employer’s shared policy limits your protection to duties performed for that sole practice. For any professionals who have private clients or contract, a portable home health malpractice insurance plan is a must – and with CM&F, only one policy is required to cover the individual at any amount of workplaces.
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