Why Home Health Care Workers Liability Insurance Is Non-Negotiable

Home care liability insurance

The Bureau of Labor Statistics has found that home health care workers are in the top 10 fastest-growing occupations. While home care might be growing, that means the claims for home health care workers compensation is also growing. The U.S. Bureau of Labor Statistics has found that home care workers are 50% more likely to experience injuries. The key for small businesses is to have home health care workers compensation insurance.

Every home care health business should know about the five types of insurance: workers compensation; content and building; commercial crime coverage; non-owned auto liability; and general and liability. As the Better Caring website points out, should anything happen to the patient while under a health care worker’s supervision they need to have home health care liability insurance to protect themselves.

This is not to imply that the care workers are anything but meticulous in their care giving. Home health care is a stressful job, and the workers are people, not perfect robots. A few common injuries that people over the age of 65 experience are as follows. Nearly 20% will have an accidental burn, especially in economically developed countries. Almost one third will have an accidental slip or fall, and that number increases every year. There is a real risk of being sued, by the patient themselves or their family members.

Home health care workers compensation is not a luxury, it’s a necessity. Home health workers compensation insurance ensures that workers will be treated fairly. These are people who work long hours, with some acting as a live-in care giver for their patient. Many will have at least a 13 hour day. If they become injured on the job from a back injury or a slip or trip, they need to know that their agency has home care liability insurance and can offer them home health care workers compensation for the days they cannot work.

Taking care of a person’s needs is a difficult job. The hours are frequently long, demanding, and it is usually very physical. Many of them do this work because they love it; helping others is like a calling for them. While their generosity pushes them to choose such a job, they need to remember to look out for themselves as well. Health workers need to have that reassurance that they are protected. Read more blogs like this.

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