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Coverage options for home health care, nurse registries, and basic non-nursing services

Coverage options for home health care, nurse registries, and basic non-nursing services

Personal care for others in the client’s home is a risk we see quite often. Our non-admitted market offers basic non-nursing services and skilled professional services. Both services can be included if the insured has both operations. The coverages we offer are comprehensive so you can be sure your clients have the coverage they need. Below is some information about the specific classifications as well as the coverages available:

Skilled Professional services such as those provided by Registered Nurses (RN), Licensed Practical Nurses (LPN), Licensed Vocational Nurses (LVN), and licensed therapists (physical, speech, occupational, and respiratory).

Basic Non-Nursing services such as those provided by Certified Nursing Assistants (CNA's), Nurses' Aides, Homemaker Health Aides, and Home Companions.

Skilled & Basic Care—Non-Nursing Highlights

  • Target risks include home health care agencies and nurse registries, including therapists & aides
  • Basic Care target risks may also include homemaker health aides, home companions, and certified nursing assistants
  • Hired and non-owned auto coverage
  • Employees as Additional Insureds – no charge
  • General Liability & Property [Occurrence-Based Coverage]
  • GL and professional liability limits available at $2,000,000/$2,000,000 or $1,000,000/$3,000,000 within your binding authority; Defense is outside the limits
  • Sexual molestation up to $1,000,000/$1,000,000; Defense is outside the limits
  • Optional hired and non-owned auto coverage (49 states) – up to $1,000,000 liability limits
  • Damage to premises rented to you up to $100,000
  • Medical payments up to $5,000

Property

  • Commercial property coverage is available for buildings, business personal property, and loss of earnings
  • Inland marine coverage for equipment and tools – scheduled and unscheduled options available

If you have a risk that fits in this category, think of Bloss & Dillard.

Posted by Lisa Castaneda, P&C on Oct 12, 2020