Slips, trips, and falls are among the most prevalent injuries in the home healthcare setting, putting caregivers, clients and their family members at danger. Most of these mishaps, however, can be avoided with adequate awareness and safety practices. Preventing Slips, Trips and Falls for Caregivers Caregivers have a higher risk of injury than other professions, and slips and falls can [...]
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 [...]
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 [...]
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. [...]
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 [...]
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 [...]
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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