Many companion and home care professionals face significant liability risks, as do the companies that employ them. When working in such a personal position as caring for the loved one of a client, protection from disgruntled client claims is absolutely necessary. Luckily, companion care insurance is a readily available and effective solution.
Who Can Get Insurance for Companion Care?
This type of policy applies to agencies who hire home and companion care specialists as well as the specialists themselves. This includes nurses, nurses assistants, occupational, physical, and respiratory therapists, social workers, home health aides, and more. If you dispense medication or treat any physical illness, wound, or mental health problem in the context of a patient’s home, you should have some type of companion care policy.
What Is Covered?
Companion care insurance will include standard professional coverage like general and professional liability, employment practices liability, and directors and officers liability. It also covers a number of claims having to do with personal information, mistakes and errors, negligence, and more. Other coverage includes but is not limited to the following.
- crisis intervention
- cyber liability
- special events
- molestation and abuse
A trustworthy insurance policy is crucial for the long term success of any home care business. With the help of an experienced insurance professional, you can focus on the needs of clients and building your business.