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 [...]
Business cycles come and go. All the same, companies must make important decisions about hiring and firing without putting themselves at excess risk and preventing employment claims. As a home care business, your company's employment practices can be a source of risk. Every day, workers file lawsuits against their employers, with many employment claims targeting smaller businesses in the industry. [...]
Professional Liability insurance is coverage meant to protect your business from a client's claims of negligence and failure to perform professional duties as required. This is must-have coverage in an industry where mistakes can be costly for clients and home care businesses. There are many situations your business and employees may find yourselves in where a professional liability claim could [...]
Any medication can be dangerous under the wrong circumstances. Ensuring the best management of a home care client's medication needs is important, for client health and safety as well as the best interests of home care businesses. Medication and dosage errors are a common allegation when it comes to claims and lawsuits filed against home care businesses. Without the right [...]
To a client, the home is a place of welcoming comfort and safety. But for home care employees, entering a client's home will always entail some level of risk. From trip hazards to missing safety devices or employee inattention, there are many opportunities for a claim to arise. To minimize the risk to employees and clients, it's important for care [...]
Employment practices liability insurance protects your home care business from common claims and lawsuits brought by your employees. The number of lawsuits in the industry is rising and the cost to defend yourself against a claim can be substantial. Now more than ever it's important to make sure your business is protected. Even though employment practices liability insurance coverage (often [...]
Understanding the inner workings of how an insurance policy is written and managed can be helpful whether you're shopping for new insurance or already have coverage in place. In this blog, we'll walk you through the process your Lockton Home Care policy goes through to give you an idea of what to expect. From the moment you fill out a [...]
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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