Home Health Care

As a home care agency, you serve a vulnerable population. Winters-Oliver can help you design a risk management and insurance program that doesn’t leave your business vulnerable to risk.

Since services are delivered in the client’s or patient’s home, home care agencies must manage the risks of many different individuals in different locations. We know this can be difficult and even stressful at times.

Caregivers transport clients in their personal vehicle or the client’s vehicle which presents a significant non-owned auto exposure. Employees assist clients with the activities of daily living which can also include patient lifting; both can result in the caregiver or the client suffering injury from a slip, trip, or fall. Workers’ compensation will respond to the employee’s claim but what about the client? Will your policy respond to the client’s injuries?

Caregivers routinely provide light housekeeping and meal preparation for their clients. Cooking is not without its risks. A grease fire or a faulty appliance can cause significant property damage or personal injury to the client and caregiver.

Other risks that must be addressed include fiduciary liability, data security, and employment issues such as wage & hour claims.

We can provide you with the following:

  • General Liability
  • Directors & Officers
  • Property Insurance
  • Cyber Liability
  • Professional Liability
  • Workers Compensation
  • Business Auto Insurance
  • Crime
  • Abuse & Molestation
  • Employment Practices Liability
  • Umbrella/Excess Liability
  • Fiduciary Liability

As your risk management partner, Winters-Oliver will spend the time to discuss these risks and others faced by your company. Together we can develop a plan that allows you to focus on your clients and patients knowing you have the right controls and the right insurance in place.

Winters-Oliver can help you arrange a complete insurance program.