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 [...]
Lack of good information has led to plenty of misconceptions about insurance in the home care industry. We wanted to take the opportunity to set the record straight about the 5 most common insurance misconceptions out there. 1. All insurance is basically the same. It's a common misconception that all insurance is basically the same. The thought is that "most [...]
Insurance exists to protect you and the things you've worked hard for from future unknowns. Many people want the peace of mind knowing that they won't have to face a sudden loss on their own. While many people are familiar with popular consumer insurance products such as car insurance or life insurance, almost anything that can be named can be [...]
Your home care business faces many risks that usually require different policies to protect against claims. With Lockton Home Care, you can rest easy knowing your coverage needs are met with one comprehensive, affordable solution. Below is an overview of the Lockton Home Care Insurance Package, designed specifically for your home care business needs and the risks you face. Insurance [...]
Home care insurance can be confusing. Coverage exists to protect your business against a broad range of risk exposures, often using terminology you may not be familiar with. We created this insurance 101 for home care businesses article as a refresher, to help you easily understand your home care insurance coverages, key terminology and important policy document and claim information. [...]
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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