Home care
Do we need auto coverage if the agency owns no vehicles?
Yes, and this is the coverage most often missing in this segment. Caregivers drive personal vehicles to clients, between clients, and often with clients in the car for appointments and errands.
When there is an accident, the caregiver personal policy responds first and the agency sits above it. Personal limits are frequently minimal, and a claim involving an injured elderly passenger is not a minimal claim.
Add hired and non-owned auto liability. It is inexpensive relative to what it addresses, and confirm your driver qualification and motor vehicle record checking practice matches what the policy assumes, because a mismatch there is a common declination point after a loss.
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More home care questions
What covers damage to a client home or property?
General liability handles damage you cause. Allegations of theft from a client home are a crime and reputational exposure that general liability does not answer.
How do we defend a claim when supervision is remote?
From the documentation, because it is the only evidence of what happened. Competency assessment, supervisory visits and an escalation path are the record.
Why is wage and hour the claim we actually get?
Because it arises from how the work is structured rather than from any manager conduct, and structural practices apply uniformly across a role.
Does HIPAA apply to a home care agency?
It depends on the services and billing arrangement, but the practical exposure is the same either way: you hold health and identity information about a targeted population.
Are we liable for a caregiver we treat as a contractor?
Frequently yes, and the classification a plaintiff argues for is the one that reaches you. Confirm your policy covers liability from contractor acts.
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