Issuu on Google+

The Ways in Which Home Care Insurance Will Safeguard Your Company You'll want to look into home care insurance to help with any incidents, whether you are starting a brand new business or are searching for other insurance options for an existing company. When you're caring for someone in their home there are a lot of things you will wind up helping them with and a number of them can be potentially hazardous. Having insurance and never having to use it is more preferable than not having it and needing it if something occurs. Some of the insurance types that you will want to get for your home care company include workers comp, commercial crime bonding, contents and building, non-owned vehicle liability, and general and professional liability insurances. Insurance can help save your business if something goes wrong. Finding someone who can help tailor your coverage to your requirements is the key to finding good insurance protection for your organization. To cover any accidents or damage, it is vital that you not only have the right insurance to cover any accidents, but that you also are paying the correct amount in your premiums. By researching various agents and companies you can typically find the one that can help you cover any liabilities and keep your payments within your budget. Many times you will be required to carry some type of workers compensation insurance to help with any on-the-job injuries. With home care insurance, your workers comp rider will need to cover things like back injuries from lifting clients as well as other potential hazards. You can help your workers cover any medical expenses related to work accidents as well as help make certain that you won't be sued for employee injuries if you have workers compensation insurance. Home care insurance also will typically help with commercial crime bonding to help save your organization from claims of theft by your clients. This claim has to do with the genuine or imagined theft of money, jewelry or other items in addition to inappropriate or unauthorized use of credit cards or checks; regrettably it is a very common type of allegation particularly with the elderly. There is a difference between this type of insurance coverage and contents and building insurance; the former protects you and your clients against accusations of theft of their property while the later protects your business related buildings and items from damage, theft or loss. Your employees will probably use their own or the client's vehicle if they have to drive them to and from appointments or to run errands. Having non-owned vehicle liability insurance for your business can help keep these kinds of trips legal. In other words in the event of a car accident that involves your employee, a client and a non-company vehicle, if you have this sort of insurance you will be covered by the minimum amount of insurance as necessary by law and could save your company from litigation. Stuff that your business and its staff could be liable for that you may not think of until it's too late, such as injury to your clients or damage to their property, are included in general and professional liability insurance. In some areas this kind of insurance is required, but it is usually a good idea to obtain it even if you're not required to. This sort of insurance ensures that if an employee inadvertently knocks an expensive piece of art onto your client then you can compensate the client for both the injury and the property damage without necessarily having to shut down. To get home care insurance options created to suit your personal needs, call The Solutions

The Solutions Group

Page 1


The Ways in Which Home Care Insurance Will Safeguard Your Company Group. Much more details on The Solutions Group are readily available at the company's website, http://www.homehealthins.com/.

Document Tags: in home care insurance, home care liability insurance, insurance for home health care http://www.homehealthins.com/

The Solutions Group

Page 2


The Ways in Which Home Care Insurance Will Safeguard Your Company