You make every effort to provide a safe environment for your staff and patients, but accidents can still happen. To protect your business from the costs associated with employee injuries, you need Workers’ Compensation for home care businesses from Lockton Affinity. Workers’ compensation is legally required for doing business in most states. Without the proper workers’ compensation insurance, your business [...]
We know you have plenty of options when it comes to business insurance. That’s why we developed an exclusive, tailored insurance program that meets the needs of companion care businesses. As your business faces challenges like inflation, employee turnover, lack of qualified employees, high demand and more, it can be reassuring to have a partner, like Lockton Affinity Home Care, [...]
Like you welcome caregivers to your business with the expectation of trustworthiness and honesty, your clients welcome caregivers into their home with an expectation of the same. Unfortunately, claims of theft occur frequently. Whether caregivers actually commit the theft or clients make allegations without certainty, claims of theft are some of the most common claims against home care businesses. Consider [...]
There are many claims that fall outside the norm. From allegations of stealing credit cards to spreading lice to damaging heirloom furniture, when it comes to home care business claims, anything can happen. If these claims seem far-fetched, consider these 15 unusual claims from real home care businesses. 15 Unusual Home Care Claims Vermin Caregiver experienced a bed bug infestation [...]
Gas prices, labor costs, supply chain disruptions, the impact of inflation. Not only is the average consumer experiencing these challenges, businesses are too. According to a recent survey by the U.S. Chamber of Commerce, one in three (33%) small business owners now rank inflation as their highest concern. And in response to those concerns, 67% of small business owners have [...]
Common Vehicle Claims and Understanding Auto Coverage for Home Care Businesses As a home care business owner whose employees drive on the business’s behalf, vehicle incidents can be complex. Depending on which vehicle was being driven, which vehicle was damaged and if anyone was injured, your business insurance, the caregiver’s personal auto insurance or the client’s personal auto insurance may [...]
There are numerous common claim risks home care businesses face. From accusations of theft against caregivers to workers’ compensation injuries, claims against home care businesses can vary greatly in severity and damage. Read on to learn 4 common home care business claims and how you can protect your business against them. Common Home Care Business Claims – Auto Liability As [...]
Being a home care worker can be physically and emotionally demanding. Compared to other industries, occupational injury risk is high, and the hazards are unique. In fact, the U.S. Bureau of Labor Statistics states that personal care and home health aides are 62% more likely to suffer overexertion injuries than the typical worker. That’s why workers’ compensation for your business [...]
Home care providers can have high risk of insurance claims compared to other industries, especially related to employee injury. According to the U.S. Bureau of Labor Statistics: Personal care and home health aides are 62% more likely to suffer overexertion injuries than the typical worker. Home health aides and home nursing assistants face 5x to 7x the risk of injury [...]
"Don’t put all your eggs in one basket" is a very old saying and, in many ways, it’s still the basis for the modern insurance that helps protect your business. Insurance began with people seeking to control the dangers they faced by spreading out the risk among larger groups of people and making agreements to help one another in the [...]
LOCKTON AFFINITY, LLC.
10895 Lowell Avenue, Suite 300 | Overland Park, KS 66210
(800) 723-9624 | HomeCare@LocktonAffinity.com
MAILING ADDRESS: PO Box 410679 | Kansas City, MO 64141
The Lockton Affinity Home Care Insurance Program is administered by Lockton Affinity, LLC d/b/a Lockton Affinity Insurance Brokers LLC in California #0795478. Coverage is subject to actual policy terms and conditions. Policy benefits are the sole responsibility of the issuing insurance company. Coverage may be provided by an excess/surplus lines insurer which is not licensed by or subject to the supervision of the insurance department of your state of residence. Policy coverage forms and rates may not be subject to regulation by the insurance department of your state of residence. Excess/Surplus lines insurers do not generally participate in state guaranty funds and therefore insureds are not protected by such funds in the event of the insurer’s insolvency.
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