Auto Coverage Options for Your Home Health Agency Insurance

Auto Coverage Options for Your Home Health Agency Insurance

home health care liability insurance program

Home health care agencies face several distinct types of risks posed by their unique business models. Along with professional and general types of liability, your business could face significant fiduciary losses if an employee or authorized agent gets into an auto accident while driving his or her own vehicle. Your home health care liability insurance program should include coverage for those types of claims, usually in the form of a non-owned and hired auto policy. Learning more about this type of product can help you understand why your broker would recommend it for your custom-tailored insurance package.

An Introduction to Non-Owned and Hired Auto

Simply put, a non-owned and hired auto policy covers incidents that occur when your staff uses their own automobiles while conducting business. This can include scenarios such as:

  • Transporting patients
  • Traveling to a client’s home or facility
  • Running business-related errands

While the employee’s own insurance policy may respond to the claim first, having non-owned or hired auto can address gaps or go above and beyond the employee’s coverage for serious accidents.

Choosing Smart Vehicle Coverage

Whether you have your own fleet or not, your home health care agency may benefit greatly from including non-owned and hired auto to your indemnity package. Your broker should advise you on sound options for your home health care liability insurance program.