Coverage built around care delivered in a patient's own home, not a clinic, where liability, transportation, and staffing risk all look different than a typical medical office.
Get a quote for Home HealthcareThird-party injury or property damage claims, including in a patient's home.
Required once you have caregiving staff, covering on-the-job injuries.
Claims arising from the actual care and clinical judgment provided.
Coverage for staff driving between patient visits in company vehicles.
Protects patient health records and data from breach-related costs.
Covers claims from a large, often high-turnover caregiving staff.
An employee runs a work errand in their own car and gets into a wreck. The business's commercial auto policy never covered vehicles it doesn't own, exactly the gap that catches home healthcare staff driving between visits.
Read the full story →This matters significantly for Workers' Comp and liability. Misclassifying caregivers is one of the most common and costly mistakes in this industry, worth confirming with us directly.
Generally yes, general liability isn't limited to your own office location, but it's worth confirming your specific policy language covers off-site care delivery explicitly.
You likely need a hired and non-owned auto endorsement, since standard commercial auto only covers vehicles the business itself owns or leases.
