Here at InsuranceHub, we supply affordable:
- Home care agency insurance
- Nurse's aide insurance
- Personal care assistant insurance
- Assisted care facility insurance
- Nursing home insurance
- Personal care home insurance
Your patients rely on your care and your nursing services, and that's why personal care providers can be sued for negligence in the performance of duties.
Here in the United States, personal care facilities and providers have been sued for:
- Elder abuse cases
- Stealing patients’ property or painkiller medications
- Patients being injured or killed as a result of negligence
- Not showing up for home care
- Breach of contract
- Outrageous conduct
- Personal Care Assistant Overtime Pay Lawsuits
- Wrongful death
What would you do if your personal care agency were hit with a liability suit for more than your current insurance covered?
Thankfully, we have experience helping home care providers and facilities just like you. In fact, we understand the liabilities personal care providers face while helping their patients with:
- Getting out of bed
- Bathing and showering
- Restroom use
- Incontinence care
- Anger issues
Types of exposure that Nursing Homes and Assisted Care Facilities need protection from:
Failure to keep the premises reasonably safe: If you have a facility, keep the floors clear of all spills and free of debris that patients can slip on, trip over, and harm themselves on. Watch over all of your patients so that they do not hurt each other. If you work in your client's home, then do the same to keep the place tidy to avoid falls and accidents.
Negligent hiring: Be sure to check backgrounds before hiring. Listen to patient complaints. Watch over all employees for signs they may be neglecting, abusing, stealing from, or harming a patient. Call the authorities if you have proof of theft or crime.
Negligent supervision: Make sure that your patients and residents are supervised so that they don't fall, fight, or injure themselves.
Failure to maintain cleanliness and safety policies: Do you have a standard for keeping resident rooms and restrooms clean and sanitary? Do you have a checklist to keep these tidy and presentable? Is it enforced by supervisors?
Failure to provide adequate medical treatment: Are you responsible for making sure your patients take their medications when necessary? Then make sure this is a priority. If a resident is complaining about pains or showing signs of injury, make sure that a doctor looks at them immediately. Failure to do so could result in malpractice.
Workers' compensation exposure: Some patients can be too heavy for one person to lift or turn over in bed. Make sure your PCAs understand that you want them to ask for assistance. Teach them proper lifting techniques. Back pains, strains, and pulled muscles can be avoided by asking for and accepting help. Do you have employees performing repetitive tasks? Teach your employees how to reduce eye strain, neck strain, carpal tunnel syndrome, and similar cumulative trauma injuries.
Minimum recommended personal care home insurance coverage:
- Business Owners policy
- Business Personal Property
- Employee Dishonesty
- Accounts Receivable
- Valuable Papers and Records
- General Liability
- Employee Benefits Liability
- Professional Liability
- Errors and Omissions
- Commercial Umbrella Liability
- Hired and Nonownership Auto Liability
- Workers Compensation
- Cyber Insurance