Question 1

What is a common misconception about Professional Liability (E&O) for Home Health Aides?

Accepted Answer

Home-health agencies face higher abuse-allegation frequency due to in-home environment and elderly clients with declining cognition.

Question 2

What happens if home health aides don't have Professional Liability (E&O)?

Accepted Answer

Family alleges aide neglected medication regimen — $190K settlement. Professional liability pays.

Question 3

What is a common misconception about Workers' Compensation for Home Health Aides?

Accepted Answer

Home-health WC class codes are among higher rates in healthcare due to lifting/transfer injuries.

Question 4

What happens if home health aides don't have Workers' Compensation?

Accepted Answer

Aide injures back transferring patient — $32K medical. WC pays.

Question 5

What is a common misconception about Commercial Auto for Home Health Aides?

Accepted Answer

Most agencies don't own vehicles but employees drive constantly for work — hired/non-owned auto is critical.

Question 6

What happens if home health aides don't have Commercial Auto?

Accepted Answer

Aide rear-ends a vehicle while driving between patients — $90K. Hired/non-owned auto pays the agency's exposure.

Question 7

What is a common misconception about General Liability for Home Health Aides?

Accepted Answer

Damage to patient homes during care is a regular claim.

Question 8

What happens if home health aides don't have General Liability?

Accepted Answer

Aide accidentally breaks a $4,000 antique clock — care/custody/control coverage pays.

Question 9

What is a common misconception about Employment Practices Liability (EPLI) for Home Health Aides?

Accepted Answer

Aides routinely file claims after termination.

Question 10

What happens if home health aides don't have Employment Practices Liability (EPLI)?

Accepted Answer

Terminated aide alleges discrimination — $40K. EPLI pays.

Question 11

What is a common misconception about Cyber Liability for Home Health Aides?

Accepted Answer

Agency management systems hold extensive PHI.

Question 12

What happens if home health aides don't have Cyber Liability?

Accepted Answer

Phishing exposes 800 patient records — $80K. Cyber pays.

Home Health Aides Insurance Coverage Guide | RISKX