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. [...]
It's hard to make an accurate prediction of the outcome when a liability claim first comes to your attention. Some incidents resolve simply, while others do not. However, for home care businesses that delay the reporting of a claim to their insurer, the outcome is almost always worse than it otherwise could have been with prompt reporting. The timing of [...]
There are numerous common risks caregivers face in the home care environment. Providing consistent, quality care to clients can be a challenge, and you also need to keep your home care employees safe and injury-free and protect the future of your business. There are several steps your organization can take to minimize the risks you face. Hiring, training, organizational policies [...]
Clients depend on your caregiver employees for many of their daily transportation needs. They also depend on the safety of employee drivers. Creating a safe driving program will benefit your employees, your organization and your clients. Creating a safe driving program for your company vehicles and drivers can reduce workplace injuries and workers’ compensation claims, protect the organization's property and [...]
It's important for employers to know how to protect themselves from a lawsuit brought by a current or former employee. Employment Practices Liability Insurance claims, also known as EPLI claims, are increasingly common in several industries, including home care. EPLI coverage can protect your organization in the event of a claim, but many common EPLI claims can be prevented with [...]
Slips, trips and falls result in some of the most common injuries in the home healthcare environment, and caregivers, clients and their family members are all at risk. However, most of these accidents can be prevented with proper awareness and safety precautions. Here is our roundup of 25 tips to prevent slips, trips and falls: Carpets, rugs and mats—Watch out [...]
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, so it's important to ensure your organization has Workers' Compensation for caregivers. By ensuring caregivers are covered with workers' compensation insurance, you can protect both your employees and your organization. Importance of Workers' Compensation [...]
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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