Home Health Care Insurance Coverage Options

As a home health care provider you can be held personally liable for a number of work-related errors and omissions claims. Whether it’s for medical negligence or a cyber data breach exposing sensitive patient information, you can be held responsible even if you are not at fault. It is important to understand all of the liability insurance coverage options offered to you through CM&F. Home health aide or caregiver liability insurance is a basic necessity, but adding on a few additional coverage options below can ensure your career, assets, and future are fully protected.

As a business, malpractice insurance for home health agencies is a must, and each policy comes with workplace liability insurance. To have full peace of mind, businesses should also be covered with general liability and cyber liability insurance.

What is professional home health care liability insurance?

Home health care liability insurance, also known as home health care malpractice insurance, protects CNAs, caregivers, and aides from legal claims associated with wrongful practice resulting in bodily injury, medical expenses and/or property damage. Professional liability coverage from CM&F includes the cost of defending yourself or business in lawsuits related to such claims. There are two types of home health care liability insurance coverage: claims-made and occurrence. A claims-made policy offers coverage only when a claim is filed during a policy period. Occurrence policies accommodate long tail events, or situations that don’t produce lawsuits or claims right away. While a claims-made policy may have a lower premium than occurrence, a claims-made policy owner may need tail coverage to protect themselves from claims that are made after a policy expires.

Get A Quote

Some examples of malpractice claims against both agencies and individuals include:

  • Failure to prevent a slip or trip and fall
  • Improper patient care, lack of attention or negligent treatment that negatively impacted a patient
  • Failure to properly administer medication

What is workplace liability insurance?

Workplace liability insurance for home health businesses or agencies protects owners from financial losses resulting from claims of bodily injury or property damage which occurs in the place where the professional services were provided. All of CM&F’s home health business liability insurance policies include workplace liability coverage.

Some examples of workplace liability claims include:

  • A client comes to an office you are leasing, and they slip on a wet tile causing injury
  • A patient’s personal possessions were left in the office. The office was then broken into and the patient’s possessions were stolen. The patient wants to be reimbursed.

What is general liability insurance?

General liability insurance for home health care agencies or self-employed providers covers physical risks, such as bodily injury or property damage. It differs from professional liability insurance, which is coverage for errors and omissions in professional services. General liability is available as add-on coverage to self-employed home health providers, as well as home health care business insurance policy holders.

Some examples of general liability claims against home health care agencies can include:

  • A client that suffers a slip and fall incident at a workplace
  • Property damage that you or an employee is responsible for causing

What is cyber liability insurance?

Cyber liability insurance for a home health business covers the cost to recover from a data breach, virus, or other cyberattacks where patient PII/PHI is compromised. It also covers the legal claims that result from a patient data breach. As the risk of cyber hacking grows with the increased reliance on technology in healthcare, every home health care group/agency owner should invest in a cyber liability insurance policy to fully protect the future of their business.

healthcare provider charting notes on computer

Some examples of a cyber liability claim include:

  • A device is stolen that contains sensitive patient information. The cost to rectify the situation is covered by cyber liability insurance.
  • A spyware virus compromises patient information. In turn, patients with information compromised by the virus file a lawsuit. The cost of legal fees will be covered with cyber liability insurance.

CM&F has made it their goal to protect all home health care individual caregivers, as well as home health agencies by offering a full-suite of affordable home health care liability insurance coverage options designed to bring you peace of mind.

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