In-Home Healthcare Insurance in Minnesota

In-Home Healthcare Insurance can help address risks faced by home healthcare agencies and caregivers providing services in clients’ homes. Depending on the situation, important exposures may include professional services, patient injuries, employee injuries, driving between clients, medication errors, and abuse allegations.

Insurance options can vary considerably between companies. Maverick Risk Partners can help clients in Minnesota compare available policies and review important differences in coverage, limits, deductibles, eligibility, and exclusions.

Why Is In-Home Healthcare Insurance Important?

In-home healthcare providers deliver care in environments they do not control. Employees may drive between clients, assist with mobility, provide personal care, handle medications, or perform other services where a mistake or injury can lead to a serious claim.

The goal is not simply to purchase a policy with the lowest premium. It is to understand the exposures involved and select insurance that fits the individual, property, vehicle, or business as closely as possible.

In-Home Healthcare Insurance Coverage Options

The appropriate coverage depends on the specific situation. Options may include some of the following protections.

Professional Liability Insurance

Professional liability may help with certain covered allegations that care, treatment, or professional services caused harm.

General Liability Insurance

General liability may help with covered third-party bodily injury or property damage claims not arising from professional services.

Workers’ Compensation Insurance

Workers’ compensation may help with eligible employee injuries involving lifting, slips, patient transfers, or other work-related hazards.

Commercial Auto or Hired and Non-Owned Auto

Agencies should review auto exposures when employees drive company or personal vehicles between client locations.

Abuse or Molestation Coverage

Coverage for abuse or molestation allegations may be important for organizations providing care to vulnerable clients, subject to insurer requirements.

In-Home Healthcare Insurance FAQs

What insurance does an in-home healthcare agency need?

Agencies may need professional liability, general liability, workers’ compensation, cyber, employment practices, commercial auto or hired/non-owned auto, and other coverage based on services.

Does home healthcare insurance cover caregiver mistakes?

Professional liability may help with certain covered allegations involving care, medication assistance, documentation, supervision, or other professional services.

Are caregivers covered while driving to clients or transporting patients?

Auto exposure depends on whether vehicles are company-owned or employee-owned and whether clients are transported. Commercial auto or hired/non-owned auto coverage may be needed.

Does home healthcare insurance cover abuse allegations?

Specialized abuse or molestation coverage may be available, subject to underwriting, exclusions, limits, background-check requirements, and other risk controls.