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 a liability claim
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 and procedures, employee
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 financial assets 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 proactive steps. Here
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:
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.
Workers’ compensation coverage is
Bloodborne pathogen safety standards have long been in place to reduce the likelihood of exposure involving blood and bodily fluids, but many healthcare organizations continue to experience employee injuries. Knowledge of bloodborne pathogen exposure risks, exposure sources and safety standards are essential to help protect employees and reduce the likelihood of a claim.
Caregivers
Within the home, the bathroom is one of the most high-risk areas for clients and caregivers. The proper bathroom safety features and procedures for client handling can significantly reduce the risk of an injury and claim. Consider providing guidance for caregivers to inform clients and client families about bathroom safety features and devices and ensure caregivers practice safe client handling.
The
The influenza virus remains a concern for home care workers, employers and their clients. By ensuring workers take flu season precautions, you can help employees and their clients stay healthy this winter. It’s the best way to prevent the spread of illness and avoid potential claims.
The CDC reports that seasonal flu activity is elevated so far this year, with an