Florida Home Healthcare Insurance quote and information.

1. How do insurance companies define Home Health Care?
2. What risk exposure do Home Health Care businesses have?
3. What is the price of Home Health Care insurance?
4. Is insurance for Home Health Care required in Florida?
5. What coverages are common to Home Health Care businesses?
6. Can you provide insurance anywhere in the state?

How do insurance companies define Florida Home Healthcare Insurance?

Home health care agencies provide services such as equipment rental, visiting doctors and nurses, and in some cases, physical therapists for customers with medical conditions who wish to remain in their homes or cannot leave their homes for treatment and care. Property exposure is that of an office with papers, computers and some storage of items that may be needed by the home health staff. Some items may be stored at employees’ homes due to the need for easy access. All items must be inventoried on a regular basis. These risks can be covered by Florida Home Healthcare Insurance.

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What risk exposure do Home Health Care businesses have?

Inland Marine Exposure

Florida inland marine exposure includes all equipment that is owned by the agency and is kept off site at the homes or cars of employees. Valuable Papers and Records exposure is a crucial part of the operations because they include all patient records, including doctors orders and employee documentation. Computers are used throughout the system. There must be backups of all records which are stored off site. Physicians and Surgeons Coverage should be considered.

Crime Exposure

Crime exposure is from Florida employee dishonesty of both money and inventory. All ordering, billing and disbursement must be handled by separate individuals. Monitoring must be constant.

Premises Liability

Premises liability is very limited at the office because it is generally restricted to employees only. The off-premises exposure is extensive as workers will be in Florida patients homes. Procedures and policies must be in place for all employees who deal with patients, with pre-employment background checks conducted prior to hiring. A monitoring system must be in place to confirm that policies are being followed and visits are being made.

Professional Liability

Professional liability exposure is a major exposure. Nurses will receive directions from physicians and should follow approved procedures in all ways. Employees backgrounds and certifications must be verified. All licenses must be kept up to date. Employee staff must not perform duties that are outside the area of their expertise. Automobile exposure may be from either Owned or Non-Owned. If owned Florida vehicles are used, all drivers must have a valid driver’s license and their MVRs must be checked on a regular basis. Vehicles must be maintained and records of the maintenance kept at a central location.

Workers Compensation

Florida workers compensation exposure is primarily off site. Gloves and masks should be worn at all times when working around any bodily fluids as these can transmit diseases. If needles or other sharp objects are used, cuts and puncture wounds are possible. Because of the mobility limitations of many home health care patients, there is also exposure to lifting or supporting patients. The worker must also be able to handle conflicts that may occur during interaction with other family members.

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What is the price of Home Health Care insurance?

There’s no single price, because insurers rate each home health agency on its own details. The biggest factors are the ones our quote form asks about: your number of employees and payroll; your annual sales; the square footage of your location; whether you use subcontractors and whether they’re insured; the liability limits you want; and your claims history.

Send us those details through the quote form and we’ll compare options from the insurance companies we represent.

Is insurance for Home Health Care required in Florida?

Yes. Florida requires licensed home health agencies to obtain and maintain malpractice insurance and liability insurance of at least $250,000 per claim (Section 400.471, Florida Statutes).

Florida requires workers’ compensation once an agency has four or more employees. Owners who are corporate officers or LLC members count toward that number; sole proprietors and partners don’t, unless they choose to be covered (Florida Division of Workers’ Compensation).

What other insurance should a Home Health Care consider?

Business Personal Property, Employee Dishonesty, Money and Securities, Accounts Receivable, Computers, Physician and Surgeons Coverage, Valuable Papers and Records, General Liability, Employee Benefits, Umbrella, Business Auto Liability and Physical Damage, Hired and Nonownership Auto, Workers Compensation

Can you provide insurance anywhere in the state?

We have helped customers all across the state of Florida. Below are some of the cities we have done business in.