Home care workers or home health care workers have a tough job. And, because they work in people’s individual homes, they’re exposed to a more volatile environment than they might be if they worked in a hospital, assisted living facility, or other public space. For that reason, it’s important that they have access to home health care workers compensation, should they have an accident on the way to a job or while they’re on the job. Altogether, home health care businesses should be aware of five different types of insurance and be taking steps to make sure they’re covered. These are general and professional liability insurance, non-owned automobile liability insurance, commercial crime coverage, content and building insurance, and workers compensation. Looking into insurance for your home health car and home health business insurance is crucial for businesses who want to protect their workers.
Why Is Home Health Care Workers Compensation So Important?
Whether you call it home care workers compensation insurance or home health care workers compensation insurance, it’s important for home health agencies to have it. You want to expect the unexpected — and the truth is, workers can be injured anywhere, by the smallest things.
The Centers for Disease Control report that six of the top occupational hazards for home health workers are violence, latex allergies, driving-related injuries, musculoskeletal disorders, needle injuries, and being around unsafe conditions like aggressive pets (or other animals), dirty homes, and bad water.
If they’re injured on the job, they can (and should) claim workers compensation while they recover, and as a business, you need to be able to provide that peace of mind. It protects you by lowering your liability and any premiums for your business and protects your employees, in case the absolute worst happens.
What Does Workers Compensation Cover?
If you’re injured on the job, workers compensation covers any medical expenses (including hospital expenses) that you incur while your injury is being assessed and treated. If the injury is severe enough that you can’t return to work for awhile, it also helps cover any disability payments and, depending on the type of workers compensation you have, covers physical therapy, any training you need, and potentially other items as well.
Having workers compensation can protect your business from lawsuits as well. Workers who are injured but do not receive workers compensation might sue in order to be compensated for their suffering and time taken off work without pay. Be sure that if you do carry workers compensation, all employees are informed about their legal rights and know the details about the workers compensation that your business covers.
If an employee is injured, you need to give them a workers’ compensation claim form within a day of learning about the injury, as well as information about their rights. In a job where the workplace can be quite versatile, home health workers compensation insurance is more important than many might think.
Where Can Home Health Agencies Get This Type of Insurance?
Commercial insurance agencies will likely offer workers compensation, including home health care workers compensation, that you can purchase for your business. Make sure you have insurance for home health cars as well, since car accidents are actually the top loss category in claims dollars that are paid out to home health agencies. Since workers must travel between homes so frequently, they’re on the road more than the average employee.
You want to look for an insurance agency that will offer competitive rates and who have partnered with a variety of top rated carriers, so you can provide the best options to your employees. Competitive premiums, attentive professionals who can offer a quick and accurate quote, and good customer service are all things you should be looking at when choosing a workers compensation insurance plan.
Make sure that your business and your employees are taken care of and protected when you invest in home health care workers compensation. And make sure that you’re aware of the other types of insurance you should be carrying to make sure that all of your bases are covered.