Benefits of CM&F Malpractice Insurance for Home Health Care Professionals

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.

Do Home Health Caregivers or Aides Need Professional Liability Insurance?

It is always best for home health care professionals to have their own professional liability insurance policy that puts their personal interests first. If not, their interest could be viewed as secondary to the employer, clinic, or office that owns the policy. The employer’s shared liability insurance policy may also have inadequate coverage limits should a claim be made against multiple employees, or the entire agency. That means that named insureds could use a significant portion of the coverage leaving little benefit for other professionals, thus enhancing the risk of personal losses. An individual malpractice policy is the best way for home health care providers to protect their career. Having your own individual liability insurance policy means having a team that is focused on YOUR personal interests, not your employers, co-workers or anyone else involved.

What Benefits Does an Individual CM&F Malpractice Insurance Policy Offer that Distinguishes it from Competitor Insurance Plans?

Not all insurance plans are created equal. CM&F has created a tailored insurance policy to meet the specific needs of home health aides, caregivers, CNAs, as well as home health agencies. CM&F offers peace of mind as your or your employees perform everyday responsibilities. CM&F’s dedication to innovating the insurance marketplace with an automated quoting engine and advanced technology makes it possible to keep the liability insurance costs affordable, all while underwriting the most comprehensive policies in the market.

In as little as 5 minutes, CM&F’s liability insurance quoting engine can provide any caregiver companion, home health aide, CNA, or even home health care businesses with a quote, and option to purchase coverage that is effective immediately (or on a later date, as far in advance as 90 days, if selected).

What types of home health care malpractice insurance policies does CM&F offer?

Basic Malpractice Insurance Policy Options:

  1. Occurrence

  2. Claims-Made

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.

The CM&F Advantage

The Most Comprehensive and Reliable
Malpractice Insurance
on the Market

CM&F was founded over a century ago. Through up and down markets, CM&F’s dedication to home health care providers and agencies has never wavered. CM&F remains committed to making it easy and cost-effective to secure vital liability coverage with:
  • A++ Rated Insurance & Lowest Priced Home Health Care Liability Insurance Products
  • Outstanding Customer Service with a Direct Contact Line
  • Superior Claims Management
  • Fast Automated Application Process
  • 24/7 Access to Your Personal Online Document Archive

Resources for Home Health Care Providers

At CM&F, we believe in the importance of a lifelong relationship, and in order to build that we are dedicated to being an educational resource for home health care providers. To accomplish this we have compiled a vast amount of information from salary figures, to insurance terms to know, and even blog posts written by fellow healthcare professionals.

CM&F Group