Professional Malpractice Insurance for Home Health Care Professionals

What is Home Health Care Professional Malpractice Insurance?

Home health care malpractice insurance is insurance coverage designed to cover the legal expenses, as well as protect personal assets, of home heath care professionals in case of a malpractice claim. Home health care liability insurance offers liability protection against claims associated with mistakes or negligence (whether true or false) that result in bodily injury, medical expenses, or even claims of mental anguish. As a health and home care professional, you may need professional liability insurance that extends beyond your employer’s policy. Unless you are the owner of the policy, should a claim arise, your interest may be secondary to that of your employer. To protect your career, as well as your personal assets, individual professional liability insurance is a good idea.

What Risks Do I Face That Warrants Malpractice Insurance for Home Health Care Professionals?

Home health care professionals work directly in the home of their patients. By the nature of the work, home health care professionals interact with their patients in a highly sensitive manner, to aide in their health or daily life routine. Should an accident of any type occur, they could find themselves at the center of a malpractice claim. Home health care professionals such as caregivers, aides, or doulas all face serious risk. Personal malpractice insurance for home health care professionals is the best protection against harmful allegations.

Home health care professionals covered by our malpractice insurance policy includes:

CM&F

Why CM&F For Home Health Care Insurance Coverage

Thousands of professionals have trusted us with their career, and it’s easy to see why. CM&F only partners with insurance carriers who carry the highest A.M. Best ratings in the market today!

For more than 25 years, CM&F Group has been protecting healthcare professionals from potentially damaging lawsuits that arise from malpractice claims. We are dedicated to protecting the livelihood of home health care professionals across the US. Whether you’re a home caregiver, home health aide, or end of life doula, the dedicated service professionals at CM&F will ensure that your career is protected by our industry-leading malpractice insurance. CM&F is a provider of therapy malpractice insurance that is affordable and tailored to cover your professional risk with coverage options as high as $2 million per claim.

We provide employer liability insurance for healthcare groups or clinics. So we know first hand that should a claim arise, unless the policy is YOUR OWN your interests could be viewed as secondary to the employer, clinic or office who owns the policy.

Your policy with CM&F is portable, going wherever you go, even when you switch jobs, so you always know you’re covered. Select your profession from our directory or contact us for more information!

Find Out Why The Best Organizations And Hundreds of Your Peers Recommend CM&F!

What is the difference between malpractice insurance and professional liability insurance?

These terms are both interchangeable. Malpractice insurance is a liability insurance specifically designed to protect medical professionals.

Does having my own individual professional liability insurance policy make me a more likely target for a lawsuit?

Absolutely not. In fact your insurance status is not discovered until you have been named in a lawsuit. At that point you are ALWAYS better off having your own individual liability protection to defend you against any allegations.

Does my employer’s professional liability insurance cover me?

Most employers do provide some level of malpractice insurance for their employees. The only way to know for certain is to ask for a certificate of insurance every year to confirm that you are a "named insured." Millions of medical professionals purchase personal professional liability insurance, also known as medical malpractice insurance, protection in addition to what their employer provides. Coverage that is portable from job to job, protects your license, your personal assets and financial future is ALWAYS the best option. CM&F offers both individual liability insurance and group liability insurance.

I’m starting my own company. Do you have a policy that will cover my company for malpractice?

Absolutely. We have liability coverage for individuals, sole-proprietors, clinics, schools and groups. Get in touch with us to discuss your needs.

What limit of liability does CM&F recommend?

The liability limits depend on a number of factors and is a very personal decision. Though we offer policy limits up to $2,000,000 per claim, we typically recommend that liability protection of $1,000,000. With that said, we understand the many factors that impact this choice, including cost and state regulations. Call our team to discuss your options.

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