How to Get Insurance for a Home Health Care Business

Home health care businesses provide a variety of medical (e.g., nursing care) and nonmedical (e.g., homemaking, attendant care) services to elderly and disabled individuals in their homes. If you are planning to start your own home health care business, purchasing professional and general liability insurance is necessary to legally protect yourself in case of accidental staff or client injury.

Instructions

• 1

  Verify the minimum amount of insurance, if any, that is necessary to operate a home health care business in your state. You may obtain this information from your state's department of health or other state regulatory agency.

• 2

  Contact other home health care businesses in your state to discuss what insurance providers they use and why and read online reviews regarding various home health care insurance providers. You may also look up providers on the Better Business Bureau website or your state's department of insurance website to locate any complaints about the company.

• 3

  Review plans offered by various insurance providers. Ensure that the policies offer practice liability coverage for the services provided by your business as well as the specific staff providing the services. For example, if you offer homemaking services provided by nonlicensed individuals, ensure that these services are also covered under the practice liability policy.

• 4

  Determine the amount of coverage that is necessary. A typical coverage amount is up to $1million per claim and up to $3 million aggregate coverage.

• 5

  Choose the policy that is offered by a reputable company, covers all of your services and staff, is affordable and meets your specific state guidelines.